| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +5.5% | -1.4 pts |
| Deposit growth (YoY) | +2.8% | +5.1% | -2.3 pts |
| Loan growth (YoY) | +8.9% | +5.9% | +3.0 pts |
| ROA | 1.65% | 1.26% | +0.4 pts |
| ROE | 14.6% | 12.2% | +2.4 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.12B | $3.69B | $2.81B | $585.2M | $42.0M | 1.65% | 4.02% | 0.29% |
| Q1 2026 | $5.08B | $3.71B | $2.79B | $576.4M | $21.2M | 1.66% | 3.97% | 0.28% |
| Q4 2025 | $5.10B | $3.73B | $2.70B | $569.2M | $77.5M | 1.54% | 3.88% | 0.21% |
| Q3 2025 | $5.24B | $3.81B | $2.57B | $567.7M | $57.5M | 1.53% | 3.78% | 0.21% |
| Q2 2025 | $4.92B | $3.59B | $2.58B | $550.1M | $36.1M | 1.46% | 3.73% | 0.20% |
| Q1 2025 | $4.89B | $3.58B | $2.59B | $535.1M | $17.7M | 1.43% | 3.68% | 0.09% |
| Q4 2024 | $5.00B | $3.68B | $2.46B | $516.6M | $67.0M | 1.26% | 3.24% | 0.09% |
| Q3 2024 | $5.56B | $3.73B | $2.43B | $527.9M | $47.1M | 1.16% | 3.11% | 0.08% |
Loan mix (Q2 2026): real estate $2.24B · commercial $462.8M · consumer $18.8M · securities $1.83B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.26% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.2% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% | 59.0% | 23th |
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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