| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +5.5% | +7.2 pts |
| Deposit growth (YoY) | +10.4% | +5.1% | +5.3 pts |
| Loan growth (YoY) | -7.9% | +5.9% | -13.8 pts |
| ROA | 1.61% | 1.26% | +0.4 pts |
| ROE | 29.7% | 12.2% | +17.6 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.44B | $5.04B | $33.8M | $316.9M | $44.4M | 1.61% | 6.17% | 0.03% |
| Q1 2026 | $5.87B | $4.97B | $59.5M | $299.9M | $25.3M | 1.83% | 6.23% | 0.03% |
| Q4 2025 | $5.20B | $4.87B | $110.9M | $278.6M | $60.9M | 1.24% | 6.56% | 0.04% |
| Q3 2025 | $5.00B | $4.67B | $42.5M | $237.9M | $38.4M | 1.06% | 6.50% | 0.04% |
| Q2 2025 | $4.83B | $4.56B | $36.7M | $200.1M | $18.6M | 0.78% | 6.45% | 0.04% |
| Q1 2025 | $4.90B | $4.69B | $54.4M | $169.9M | $631K | 0.05% | 6.33% | 0.04% |
| Q4 2024 | $4.60B | $4.44B | $76.8M | $96.4M | $57.2M | 1.30% | 6.66% | 0.06% |
| Q3 2024 | $4.45B | $4.24B | $39.0M | $153.5M | $44.2M | 1.35% | 6.62% | 0.06% |
Loan mix (Q2 2026): real estate $7.5M · commercial $4.9M · consumer $23.3M · securities $3.03B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.26% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 29.7% | 12.2% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.17% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 59.0% | 99th |
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% |
The full ratio pack is part of CharterBench Pro.