| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.5% | -0.5 pts |
| Deposit growth (YoY) | +1.9% | +5.1% | -3.2 pts |
| Loan growth (YoY) | +6.1% | +5.9% | +0.2 pts |
| ROA | 1.61% | 1.26% | +0.4 pts |
| ROE | 17.7% | 12.2% | +5.5 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.14B | $985.8M | $788.0M | $109.2M | $9.3M | 1.61% | 3.99% | 1.20% |
| Q1 2026 | $1.15B | $998.4M | $799.9M | $102.3M | $5.3M | 1.84% | 3.98% | 1.27% |
| Q4 2025 | $1.17B | $1.03B | $761.8M | $103.0M | $10.4M | 0.94% | 3.57% | 1.42% |
| Q3 2025 | $1.10B | $967.9M | $742.1M | $97.8M | $7.8M | 0.95% | 3.55% | 1.24% |
| Q2 2025 | $1.09B | $967.5M | $742.3M | $88.5M | $5.7M | 1.04% | 3.49% | 1.31% |
| Q1 2025 | $1.10B | $946.6M | $762.0M | $86.7M | $2.8M | 1.02% | 3.37% | 1.23% |
| Q4 2024 | $1.11B | $979.8M | $765.8M | $83.2M | $6.7M | 0.60% | 3.14% | 0.89% |
| Q3 2024 | $1.15B | $951.0M | $793.3M | $88.2M | $4.4M | 0.52% | 3.02% | 1.14% |
Loan mix (Q2 2026): real estate $492.1M · commercial $229.5M · consumer $70.5M · securities $239.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.26% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 12.2% | 85th | |
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 | 70.5% | 59.0% | 80th |
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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