| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +5.5% | -2.3 pts |
| Deposit growth (YoY) | +10.6% | +5.1% | +5.5 pts |
| Loan growth (YoY) | +7.1% | +5.9% | +1.2 pts |
| ROA | 1.51% | 1.26% | +0.2 pts |
| ROE | 14.8% | 12.2% | +2.7 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.13B | $990.0M | $899.1M | $115.2M | $8.5M | 1.51% | 3.53% | 0.19% |
| Q1 2026 | $1.11B | $969.7M | $874.7M | $114.1M | $4.1M | 1.45% | 3.49% | 0.11% |
| Q4 2025 | $1.13B | $953.0M | $877.2M | $113.5M | $15.1M | 1.39% | 3.30% | 0.10% |
| Q3 2025 | $1.07B | $925.2M | $843.5M | $107.5M | $10.9M | 1.35% | 3.24% | 0.10% |
| Q2 2025 | $1.10B | $895.5M | $839.6M | $103.3M | $6.8M | 1.27% | 3.14% | 0.10% |
| Q1 2025 | $1.07B | $904.0M | $800.0M | $101.6M | $3.4M | 1.27% | 3.09% | 0.02% |
| Q4 2024 | $1.05B | $869.1M | $808.9M | $99.5M | $11.2M | 1.10% | 2.93% | 0.03% |
| Q3 2024 | $1.03B | $881.0M | $787.2M | $99.7M | $7.6M | 1.00% | 2.85% | 0.03% |
Loan mix (Q2 2026): real estate $708.6M · commercial $131.1M · consumer $5.7M · securities $139.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.26% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 12.2% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 59.0% | 35th |
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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