| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +40.4% | +5.5% | +34.9 pts |
| Deposit growth (YoY) | +36.5% | +5.1% | +31.4 pts |
| Loan growth (YoY) | +45.4% | +5.9% | +39.5 pts |
| ROA | 1.32% | 1.26% | +0.1 pts |
| ROE | 11.7% | 12.2% | -0.5 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.85B | $3.22B | $3.02B | $444.9M | $23.2M | 1.32% | 4.20% | 0.63% |
| Q1 2026 | $3.87B | $3.24B | $3.03B | $438.1M | $13.2M | 1.58% | 4.36% | 0.61% |
| Q4 2025 | $2.83B | $2.36B | $2.15B | $313.2M | $24.7M | 0.89% | 3.27% | 0.45% |
| Q3 2025 | $2.80B | $2.38B | $2.12B | $309.3M | $17.9M | 0.87% | 3.22% | 0.44% |
| Q2 2025 | $2.74B | $2.36B | $2.08B | $277.3M | $11.8M | 0.86% | 3.12% | 0.48% |
| Q1 2025 | $2.73B | $2.35B | $2.08B | $273.6M | $6.8M | 1.00% | 3.03% | 0.43% |
| Q4 2024 | $2.72B | $2.35B | $2.10B | $262.3M | $22.6M | 0.81% | 2.87% | 0.52% |
| Q3 2024 | $2.80B | $2.29B | $2.13B | $285.9M | $15.8M | 0.75% | 2.85% | 0.32% |
Loan mix (Q2 2026): real estate $2.34B · commercial $585.9M · consumer $12.5M · securities $459.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.26% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 12.2% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 59.0% | 58th |
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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