| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.8% | +5.5% | +7.4 pts |
| Deposit growth (YoY) | +13.5% | +5.1% | +8.4 pts |
| Loan growth (YoY) | +13.1% | +5.9% | +7.2 pts |
| ROA | 2.55% | 1.26% | +1.3 pts |
| ROE | 22.6% | 12.2% | +10.4 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 | $1.77B | $1.55B | $1.36B | $191.2M | $21.6M | 2.55% | 4.47% | 0.10% |
| Q1 2026 | $1.70B | $1.48B | $1.32B | $193.2M | $10.5M | 2.55% | 4.41% | 0.09% |
| Q4 2025 | $1.61B | $1.40B | $1.29B | $189.5M | $40.1M | 2.54% | 4.40% | 0.10% |
| Q3 2025 | $1.61B | $1.40B | $1.22B | $188.1M | $29.4M | 2.50% | 4.31% | 0.10% |
| Q2 2025 | $1.57B | $1.37B | $1.20B | $181.8M | $19.0M | 2.44% | 4.26% | 0.10% |
| Q1 2025 | $1.54B | $1.34B | $1.21B | $182.4M | $8.9M | 2.31% | 4.09% | 0.10% |
| Q4 2024 | $1.56B | $1.36B | $1.17B | $176.9M | $36.8M | 2.32% | 3.99% | 0.16% |
| Q3 2024 | $1.58B | $1.38B | $1.13B | $170.5M | $28.1M | 2.35% | 3.90% | 0.18% |
Loan mix (Q2 2026): real estate $1.12B · commercial $157.6M · consumer $13.5M · securities $74.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.55% | 1.26% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 22.6% | 12.2% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.6% | 59.0% | 10th |
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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