| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +5.5% | +4.8 pts |
| Deposit growth (YoY) | +3.5% | +5.1% | -1.5 pts |
| Loan growth (YoY) | +14.7% | +5.9% | +8.8 pts |
| ROA | 1.45% | 1.26% | +0.2 pts |
| ROE | 13.4% | 12.2% | +1.3 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.17B | $4.85B | $4.42B | $661.9M | $43.5M | 1.45% | 4.27% | 0.50% |
| Q1 2026 | $6.12B | $4.86B | $4.37B | $640.0M | $20.3M | 1.37% | 4.17% | 0.51% |
| Q4 2025 | $5.75B | $4.57B | $4.01B | $640.6M | $81.8M | 1.46% | 4.29% | 0.31% |
| Q3 2025 | $5.66B | $4.64B | $3.92B | $612.7M | $59.6M | 1.42% | 4.17% | 0.39% |
| Q2 2025 | $5.59B | $4.69B | $3.85B | $577.7M | $38.3M | 1.38% | 4.13% | 0.23% |
| Q1 2025 | $5.54B | $4.65B | $3.81B | $576.0M | $19.1M | 1.38% | 4.12% | 0.25% |
| Q4 2024 | $5.55B | $4.72B | $3.79B | $556.5M | $50.2M | 0.98% | 3.74% | 0.31% |
| Q3 2024 | $5.48B | $4.73B | $3.67B | $574.2M | $33.2M | 0.88% | 3.63% | 0.31% |
Loan mix (Q2 2026): real estate $2.86B · commercial $640.4M · consumer $733.9M · securities $1.17B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.26% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.2% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 59.0% | 42th |
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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