| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +5.5% | +0.5 pts |
| Deposit growth (YoY) | +3.7% | +5.1% | -1.3 pts |
| Loan growth (YoY) | +5.2% | +5.9% | -0.7 pts |
| ROA | 2.79% | 1.26% | +1.5 pts |
| ROE | 34.7% | 12.2% | +22.5 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.82B | $3.88B | $6.21B | $550.7M | $94.2M | 2.79% | 4.86% | 1.87% |
| Q1 2026 | $6.76B | $3.84B | $6.17B | $541.3M | $45.6M | 2.71% | 4.82% | 1.85% |
| Q4 2025 | $6.70B | $3.84B | $6.14B | $536.6M | $190.2M | 2.94% | 4.86% | 1.78% |
| Q3 2025 | $6.57B | $3.82B | $6.01B | $528.9M | $140.9M | 2.92% | 4.86% | 1.67% |
| Q2 2025 | $6.43B | $3.74B | $5.90B | $527.0M | $96.1M | 3.02% | 4.85% | 1.70% |
| Q1 2025 | $6.38B | $3.73B | $5.79B | $525.4M | $51.8M | 3.27% | 4.86% | 1.55% |
| Q4 2024 | $6.31B | $3.69B | $5.79B | $507.3M | $176.2M | 2.95% | 4.85% | 1.44% |
| Q3 2024 | $6.14B | $3.63B | $5.62B | $519.6M | $129.5M | 2.94% | 4.86% | 1.36% |
Loan mix (Q2 2026): real estate $6.27B · commercial $1.9M · consumer $953K · securities $82.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.79% | 1.26% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 34.7% | 12.2% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.86% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 26.6% | 59.0% | 2th |
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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