| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +4.9% | +3.9 pts |
| Deposit growth (YoY) | +5.4% | +4.3% | +1.1 pts |
| Loan growth (YoY) | +6.4% | +5.3% | +1.1 pts |
| ROA | 2.33% | 1.28% | +1.1 pts |
| ROE | 22.8% | 12.4% | +10.4 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $949.9M | $807.0M | $742.0M | $95.7M | $10.8M | 2.33% | 4.38% | 1.34% |
| Q1 2026 | $910.0M | $784.8M | $712.8M | $96.6M | $5.2M | 2.27% | 4.37% | 0.83% |
| Q4 2025 | $912.5M | $792.0M | $712.6M | $91.6M | $18.7M | 2.14% | 4.35% | 0.87% |
| Q3 2025 | $896.0M | $781.1M | $705.1M | $89.5M | $14.3M | 2.20% | 4.33% | 0.98% |
| Q2 2025 | $873.4M | $765.6M | $697.2M | $83.6M | $9.1M | 2.12% | 4.24% | 1.06% |
| Q1 2025 | $870.0M | $756.8M | $689.1M | $84.8M | $4.3M | 2.02% | 4.09% | 1.08% |
| Q4 2024 | $828.6M | $716.7M | $665.0M | $80.4M | $14.1M | 1.75% | 3.77% | 0.58% |
| Q3 2024 | $825.3M | $709.7M | $654.1M | $78.4M | $10.1M | 1.68% | 3.68% | 0.58% |
Loan mix (Q2 2026): real estate $630.8M · commercial $71.6M · consumer $8.7M · securities $57.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.33% | 1.28% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 22.8% | 12.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.4% | 61.2% | 11th |
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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