| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.5% | -1.3 pts |
| Deposit growth (YoY) | +5.7% | +5.1% | +0.6 pts |
| Loan growth (YoY) | +3.9% | +5.9% | -2.0 pts |
| ROA | 2.08% | 1.26% | +0.8 pts |
| ROE | 16.1% | 12.2% | +3.9 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.79B | $3.53B | $3.60B | $624.7M | $48.9M | 2.08% | 3.79% | 0.31% |
| Q1 2026 | $4.67B | $3.61B | $3.53B | $597.7M | $22.3M | 1.91% | 3.73% | 0.42% |
| Q4 2025 | $4.65B | $3.37B | $3.51B | $602.5M | $61.4M | 1.33% | 3.41% | 0.44% |
| Q3 2025 | $4.65B | $3.38B | $3.50B | $584.2M | $46.5M | 1.35% | 3.33% | 0.40% |
| Q2 2025 | $4.60B | $3.34B | $3.47B | $561.2M | $33.4M | 1.46% | 3.26% | 0.50% |
| Q1 2025 | $4.56B | $3.48B | $3.42B | $543.9M | $14.5M | 1.27% | 3.15% | 0.63% |
| Q4 2024 | $4.59B | $3.35B | $3.39B | $541.6M | $48.4M | 1.10% | 2.73% | 0.56% |
| Q3 2024 | $4.44B | $3.38B | $3.38B | $541.9M | $36.9M | 1.13% | 2.68% | 0.64% |
Loan mix (Q2 2026): real estate $3.19B · commercial $291.5M · consumer $24.8M · securities $1.01B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.08% | 1.26% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 12.2% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.8% | 59.0% | 12th |
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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