| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.6% | +5.5% | +13.2 pts |
| Deposit growth (YoY) | +20.0% | +5.1% | +14.9 pts |
| Loan growth (YoY) | +16.0% | +5.9% | +10.1 pts |
| ROA | 1.48% | 1.26% | +0.2 pts |
| ROE | 14.3% | 12.2% | +2.1 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.80B | $5.57B | $4.98B | $683.7M | $47.8M | 1.48% | 3.39% | 0.15% |
| Q1 2026 | $6.50B | $5.30B | $4.70B | $661.2M | $22.7M | 1.44% | 3.44% | 0.13% |
| Q4 2025 | $6.12B | $4.88B | $4.52B | $663.7M | $88.2M | 1.53% | 3.39% | 0.12% |
| Q3 2025 | $5.91B | $4.79B | $4.35B | $638.5M | $65.4M | 1.54% | 3.36% | 0.14% |
| Q2 2025 | $5.73B | $4.65B | $4.30B | $608.2M | $40.6M | 1.45% | 3.30% | 0.11% |
| Q1 2025 | $5.68B | $4.62B | $4.23B | $586.7M | $20.8M | 1.50% | 3.29% | 0.11% |
| Q4 2024 | $5.42B | $4.36B | $4.04B | $582.8M | $69.7M | 1.33% | 3.27% | 0.25% |
| Q3 2024 | $5.50B | $4.37B | $4.01B | $584.6M | $53.2M | 1.36% | 3.27% | 0.27% |
Loan mix (Q2 2026): real estate $1.76B · commercial $1.97B · consumer $454.2M · securities $1.09B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.26% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.2% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.6% | 59.0% | 5th |
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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