| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +5.5% | -4.3 pts |
| Deposit growth (YoY) | -3.5% | +5.1% | -8.6 pts |
| Loan growth (YoY) | +2.1% | +5.9% | -3.8 pts |
| ROA | 1.16% | 1.26% | -0.1 pts |
| ROE | 11.9% | 12.2% | -0.3 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.30B | $2.59B | $2.56B | $324.2M | $19.3M | 1.16% | 3.99% | 1.32% |
| Q1 2026 | $3.35B | $2.66B | $2.60B | $324.5M | $8.8M | 1.05% | 3.88% | 1.33% |
| Q4 2025 | $3.35B | $2.60B | $2.59B | $323.5M | $32.3M | 0.99% | 3.72% | 1.17% |
| Q3 2025 | $3.33B | $2.53B | $2.57B | $317.6M | $22.2M | 0.91% | 3.67% | 1.19% |
| Q2 2025 | $3.26B | $2.68B | $2.51B | $314.4M | $15.1M | 0.94% | 3.64% | 1.05% |
| Q1 2025 | $3.21B | $2.61B | $2.48B | $309.1M | $7.2M | 0.90% | 3.53% | 1.09% |
| Q4 2024 | $3.17B | $2.57B | $2.43B | $302.8M | $18.3M | 0.58% | 3.24% | 1.15% |
| Q3 2024 | $3.16B | $2.45B | $2.45B | $302.1M | $11.4M | 0.48% | 3.17% | 1.11% |
Loan mix (Q2 2026): real estate $2.08B · commercial $438.1M · consumer $78.4M · securities $310.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.26% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 12.2% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 59.0% | 65th |
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% |
The full ratio pack is part of CharterBench Pro.