| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.5% | -1.0 pts |
| Deposit growth (YoY) | +4.9% | +5.1% | -0.2 pts |
| Loan growth (YoY) | +8.9% | +5.9% | +3.0 pts |
| ROA | 1.59% | 1.26% | +0.3 pts |
| ROE | 12.0% | 12.2% | -0.2 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.28B | $1.91B | $1.91B | $308.8M | $17.9M | 1.59% | 3.77% | 1.83% |
| Q1 2026 | $2.25B | $1.89B | $1.89B | $299.0M | $8.3M | 1.49% | 3.68% | 1.63% |
| Q4 2025 | $2.22B | $1.87B | $1.85B | $291.1M | $34.1M | 1.58% | 3.83% | 1.60% |
| Q3 2025 | $2.23B | $1.87B | $1.80B | $282.5M | $25.8M | 1.61% | 3.80% | 1.32% |
| Q2 2025 | $2.18B | $1.82B | $1.75B | $272.1M | $16.0M | 1.52% | 3.71% | 1.45% |
| Q1 2025 | $2.13B | $1.79B | $1.74B | $263.1M | $7.5M | 1.45% | 3.64% | 1.29% |
| Q4 2024 | $2.01B | $1.67B | $1.69B | $255.0M | $30.9M | 1.62% | 3.78% | 1.12% |
| Q3 2024 | $1.98B | $1.67B | $1.60B | $247.5M | $21.9M | 1.55% | 3.74% | 1.16% |
Loan mix (Q2 2026): real estate $1.90B · commercial $37.6M · consumer $902K · securities $61.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.26% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 12.2% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.9% | 59.0% | 9th |
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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