| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +5.5% | +4.2 pts |
| Deposit growth (YoY) | +10.0% | +5.1% | +4.9 pts |
| Loan growth (YoY) | -1.7% | +5.9% | -7.6 pts |
| ROA | 1.20% | 1.26% | -0.1 pts |
| ROE | 12.8% | 12.2% | +0.6 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.68B | $2.42B | $1.94B | $243.3M | $15.5M | 1.20% | 3.21% | 0.88% |
| Q1 2026 | $2.54B | $2.28B | $1.94B | $243.1M | $7.5M | 1.18% | 3.23% | 0.65% |
| Q4 2025 | $2.52B | $2.26B | $1.96B | $241.7M | $28.9M | 1.18% | 3.10% | 0.69% |
| Q3 2025 | $2.49B | $2.24B | $1.94B | $235.0M | $22.3M | 1.22% | 3.07% | 0.86% |
| Q2 2025 | $2.45B | $2.20B | $1.97B | $229.1M | $13.9M | 1.15% | 3.03% | 0.68% |
| Q1 2025 | $2.39B | $2.15B | $1.96B | $224.7M | $6.7M | 1.12% | 2.97% | 0.38% |
| Q4 2024 | $2.41B | $2.18B | $1.94B | $216.8M | $19.0M | 0.84% | 2.80% | 0.32% |
| Q3 2024 | $2.33B | $2.10B | $1.92B | $210.8M | $12.0M | 0.72% | 2.74% | 0.35% |
Loan mix (Q2 2026): real estate $1.55B · commercial $368.4M · consumer $2.5M · securities $102.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.26% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 12.2% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 59.0% | 65th |
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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