| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +5.5% | -1.7 pts |
| Deposit growth (YoY) | +3.0% | +5.1% | -2.1 pts |
| Loan growth (YoY) | +3.4% | +5.9% | -2.5 pts |
| ROA | 1.40% | 1.26% | +0.1 pts |
| ROE | 14.4% | 12.2% | +2.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.50B | $1.33B | $1.02B | $150.7M | $10.5M | 1.40% | 3.79% | 0.23% |
| Q1 2026 | $1.51B | $1.34B | $998.4M | $145.9M | $5.0M | 1.34% | 3.70% | 0.27% |
| Q4 2025 | $1.50B | $1.34B | $999.2M | $142.1M | $18.7M | 1.29% | 3.72% | 0.13% |
| Q3 2025 | $1.45B | $1.29B | $1.00B | $141.8M | $13.8M | 1.28% | 3.70% | 0.04% |
| Q2 2025 | $1.45B | $1.30B | $984.0M | $133.5M | $8.5M | 1.20% | 3.61% | 0.04% |
| Q1 2025 | $1.43B | $1.28B | $960.3M | $127.8M | $4.3M | 1.22% | 3.46% | 0.05% |
| Q4 2024 | $1.40B | $1.26B | $948.9M | $120.1M | $15.9M | 1.15% | 3.34% | 0.05% |
| Q3 2024 | $1.40B | $1.25B | $938.7M | $124.6M | $11.6M | 1.12% | 3.31% | 0.03% |
Loan mix (Q2 2026): real estate $920.3M · commercial $51.6M · consumer $20.6M · securities $273.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.26% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 12.2% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 59.0% | 34th |
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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