| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +5.5% | -2.4 pts |
| Deposit growth (YoY) | +3.3% | +5.1% | -1.7 pts |
| Loan growth (YoY) | +0.9% | +5.9% | -5.1 pts |
| ROA | 2.11% | 1.26% | +0.8 pts |
| ROE | 19.0% | 12.2% | +6.8 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.38B | $1.20B | $704.4M | $158.0M | $14.4M | 2.11% | 4.07% | 0.14% |
| Q1 2026 | $1.37B | $1.19B | $689.2M | $152.0M | $7.2M | 2.11% | 4.04% | 0.15% |
| Q4 2025 | $1.35B | $1.19B | $707.3M | $146.4M | $26.7M | 1.99% | 4.13% | 0.08% |
| Q3 2025 | $1.35B | $1.17B | $707.6M | $165.2M | $20.2M | 2.02% | 4.09% | 0.09% |
| Q2 2025 | $1.34B | $1.16B | $698.4M | $156.8M | $13.1M | 1.96% | 3.98% | 0.10% |
| Q1 2025 | $1.34B | $1.17B | $680.0M | $149.7M | $5.9M | 1.77% | 3.82% | 0.10% |
| Q4 2024 | $1.33B | $1.17B | $708.3M | $142.1M | $23.7M | 1.81% | 3.72% | 0.80% |
| Q3 2024 | $1.31B | $1.15B | $679.3M | $139.4M | $18.0M | 1.85% | 3.69% | 0.81% |
Loan mix (Q2 2026): real estate $626.4M · commercial $62.5M · consumer $24.2M · securities $508.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.11% | 1.26% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 12.2% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 59.0% | 27th |
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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