| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +5.5% | +2.0 pts |
| Deposit growth (YoY) | +7.3% | +5.1% | +2.3 pts |
| Loan growth (YoY) | +6.9% | +5.9% | +0.9 pts |
| ROA | 1.21% | 1.26% | -0.0 pts |
| ROE | 18.7% | 12.2% | +6.5 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.64B | $4.10B | $2.26B | $311.5M | $28.0M | 1.21% | 3.86% | 0.63% |
| Q1 2026 | $4.68B | $4.14B | $2.23B | $297.9M | $12.7M | 1.11% | 3.74% | 0.58% |
| Q4 2025 | $4.51B | $3.99B | $2.18B | $288.5M | $46.5M | 1.07% | 3.83% | 0.68% |
| Q3 2025 | $4.33B | $3.81B | $2.17B | $276.9M | $34.8M | 1.08% | 3.82% | 0.64% |
| Q2 2025 | $4.32B | $3.82B | $2.12B | $257.2M | $23.2M | 1.08% | 3.77% | 0.60% |
| Q1 2025 | $4.40B | $3.91B | $2.05B | $243.7M | $11.6M | 1.09% | 3.61% | 0.64% |
| Q4 2024 | $4.12B | $3.61B | $2.03B | $208.4M | $42.4M | 1.00% | 3.50% | 0.80% |
| Q3 2024 | $4.20B | $3.62B | $1.95B | $242.0M | $32.0M | 1.00% | 3.44% | 0.74% |
Loan mix (Q2 2026): real estate $1.86B · commercial $32.9M · consumer $296.9M · securities $1.71B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.26% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 12.2% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 59.0% | 97th |
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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