| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +5.9% | -4.9 pts |
| Deposit growth (YoY) | +5.6% | +5.7% | -0.1 pts |
| Loan growth (YoY) | +0.2% | +6.9% | -6.8 pts |
| ROA | 0.92% | 1.23% | -0.3 pts |
| ROE | 9.5% | 11.2% | -1.8 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.59B | $13.33B | $12.67B | $1.61B | $75.2M | 0.92% | 3.62% | 1.56% |
| Q1 2026 | $16.40B | $13.27B | $12.53B | $1.59B | $35.9M | 0.88% | 3.58% | 1.61% |
| Q4 2025 | $16.27B | $13.13B | $12.49B | $1.56B | $159.2M | 0.97% | 3.57% | 1.35% |
| Q3 2025 | $16.45B | $12.81B | $12.72B | $1.48B | $111.3M | 0.91% | 3.52% | 1.38% |
| Q2 2025 | $16.44B | $12.62B | $12.64B | $1.43B | $69.6M | 0.85% | 3.47% | 1.60% |
| Q1 2025 | $16.29B | $12.60B | $12.53B | $1.43B | $33.6M | 0.83% | 3.48% | 1.11% |
| Q4 2024 | $16.26B | $12.51B | $12.44B | $1.43B | $128.7M | 0.79% | 3.33% | 1.14% |
| Q3 2024 | $16.45B | $12.38B | $12.66B | $1.39B | $83.1M | 0.68% | 3.28% | 1.36% |
Loan mix (Q2 2026): real estate $11.28B · commercial $1.16B · consumer $176.5M · securities $2.25B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.23% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.3% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 54.9% | 91th |
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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