| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +5.5% | -3.4 pts |
| Deposit growth (YoY) | +4.0% | +5.1% | -1.0 pts |
| Loan growth (YoY) | +8.5% | +5.9% | +2.5 pts |
| ROA | 1.35% | 1.26% | +0.1 pts |
| ROE | 14.6% | 12.2% | +2.5 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.17B | $1.02B | $512.9M | $109.9M | $7.8M | 1.35% | 3.43% | 0.00% |
| Q1 2026 | $1.16B | $972.4M | $504.5M | $106.0M | $3.9M | 1.36% | 3.32% | 0.00% |
| Q4 2025 | $1.14B | $956.8M | $501.3M | $105.0M | $13.1M | 1.16% | 3.16% | 0.00% |
| Q3 2025 | $1.14B | $935.0M | $488.1M | $93.3M | $9.8M | 1.16% | 3.11% | 0.01% |
| Q2 2025 | $1.14B | $978.0M | $472.9M | $84.4M | $6.3M | 1.11% | 3.25% | 0.01% |
| Q1 2025 | $1.13B | $960.8M | $464.0M | $79.7M | $3.3M | 1.19% | 3.18% | 0.01% |
| Q4 2024 | $1.11B | $936.1M | $453.5M | $69.8M | $13.9M | 1.23% | 3.15% | 0.01% |
| Q3 2024 | $1.14B | $944.0M | $446.5M | $79.8M | $10.2M | 1.19% | 3.14% | 0.21% |
Loan mix (Q2 2026): real estate $449.2M · commercial $4.6M · consumer $3.1M · securities $521.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.26% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.2% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 59.0% | 45th |
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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