| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.5% | +1.0 pts |
| Deposit growth (YoY) | +7.0% | +5.1% | +1.9 pts |
| Loan growth (YoY) | +2.2% | +5.9% | -3.7 pts |
| ROA | 1.74% | 1.26% | +0.5 pts |
| ROE | 15.0% | 12.2% | +2.9 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.83B | $5.10B | $3.63B | $686.8M | $50.2M | 1.74% | 4.21% | 0.10% |
| Q1 2026 | $5.84B | $5.12B | $3.54B | $663.6M | $24.6M | 1.71% | 4.20% | 0.07% |
| Q4 2025 | $5.69B | $4.99B | $3.57B | $653.0M | $96.3M | 1.73% | 4.24% | 0.01% |
| Q3 2025 | $5.63B | $4.91B | $3.53B | $632.6M | $71.7M | 1.72% | 4.22% | 0.03% |
| Q2 2025 | $5.48B | $4.76B | $3.55B | $629.8M | $47.3M | 1.72% | 4.21% | 0.02% |
| Q1 2025 | $5.68B | $4.98B | $3.51B | $613.9M | $23.7M | 1.71% | 4.16% | 0.02% |
| Q4 2024 | $5.38B | $4.71B | $3.60B | $584.5M | $91.1M | 1.68% | 4.13% | 0.03% |
| Q3 2024 | $5.42B | $4.71B | $3.63B | $613.6M | $68.2M | 1.68% | 4.11% | 0.04% |
Loan mix (Q2 2026): real estate $2.74B · commercial $528.9M · consumer $3.4M · securities $1.63B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.26% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.2% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 59.0% | 11th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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