| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +5.5% | +0.7 pts |
| Deposit growth (YoY) | +5.9% | +5.1% | +0.9 pts |
| Loan growth (YoY) | +7.1% | +5.9% | +1.2 pts |
| ROA | 1.82% | 1.26% | +0.6 pts |
| ROE | 14.9% | 12.2% | +2.8 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.51B | $3.78B | $3.42B | $562.1M | $41.0M | 1.82% | 3.83% | 0.87% |
| Q1 2026 | $4.51B | $3.79B | $3.38B | $541.2M | $19.5M | 1.73% | 3.73% | 0.81% |
| Q4 2025 | $4.47B | $3.75B | $3.33B | $543.3M | $74.8M | 1.74% | 3.83% | 0.45% |
| Q3 2025 | $4.31B | $3.60B | $3.28B | $521.0M | $55.9M | 1.76% | 3.79% | 0.47% |
| Q2 2025 | $4.24B | $3.57B | $3.19B | $498.2M | $36.9M | 1.75% | 3.72% | 0.41% |
| Q1 2025 | $4.21B | $3.55B | $3.12B | $485.1M | $18.1M | 1.72% | 3.59% | 0.31% |
| Q4 2024 | $4.22B | $3.55B | $3.10B | $482.7M | $64.0M | 1.58% | 3.51% | 0.32% |
| Q3 2024 | $4.05B | $3.38B | $3.00B | $478.9M | $46.5M | 1.55% | 3.47% | 0.35% |
Loan mix (Q2 2026): real estate $2.89B · commercial $284.3M · consumer $66.8M · securities $548.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 1.26% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 12.2% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.8% | 59.0% | 21th |
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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