| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.9% | -0.3 pts |
| Deposit growth (YoY) | +5.2% | +5.7% | -0.5 pts |
| Loan growth (YoY) | +3.8% | +6.9% | -3.1 pts |
| ROA | 0.74% | 1.23% | -0.5 pts |
| ROE | 7.3% | 11.2% | -3.9 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.39B | $12.33B | $9.88B | $1.47B | $53.1M | 0.74% | 2.89% | 0.82% |
| Q1 2026 | $13.99B | $11.94B | $9.70B | $1.44B | $26.2M | 0.74% | 2.88% | 1.04% |
| Q4 2025 | $14.43B | $12.51B | $9.87B | $1.43B | $76.0M | 0.54% | 2.84% | 0.79% |
| Q3 2025 | $14.42B | $12.41B | $10.09B | $1.41B | $63.2M | 0.61% | 2.79% | 0.64% |
| Q2 2025 | $13.64B | $11.71B | $9.52B | $1.37B | $38.8M | 0.57% | 2.80% | 0.70% |
| Q1 2025 | $13.58B | $11.76B | $9.49B | $1.35B | $21.9M | 0.64% | 2.79% | 0.68% |
| Q4 2024 | $13.86B | $12.07B | $9.24B | $1.31B | $89.2M | 0.70% | 2.77% | 0.34% |
| Q3 2024 | $13.22B | $10.90B | $8.94B | $1.29B | $59.4M | 0.64% | 2.79% | 0.35% |
Loan mix (Q2 2026): real estate $5.94B · commercial $2.65B · consumer $24.3M · securities $2.79B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.23% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 11.3% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 54.9% | 89th |
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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