| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +5.5% | +3.2 pts |
| Deposit growth (YoY) | +2.4% | +5.1% | -2.6 pts |
| Loan growth (YoY) | +8.6% | +5.9% | +2.7 pts |
| ROA | 3.11% | 1.26% | +1.9 pts |
| ROE | 15.0% | 12.2% | +2.9 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.93B | $1.56B | $4.91B | $886.4M | $64.6M | 3.11% | 6.11% | 0.27% |
| Q1 2026 | $4.11B | $1.36B | $4.04B | $869.5M | $47.7M | 5.09% | 6.12% | 0.90% |
| Q4 2025 | $3.40B | $1.27B | $3.36B | $821.8M | $154.4M | 3.87% | 6.76% | 0.37% |
| Q3 2025 | $4.78B | $1.63B | $4.76B | $769.0M | $101.5M | 3.27% | 6.29% | 0.29% |
| Q2 2025 | $4.54B | $1.53B | $4.52B | $781.3M | $33.8M | 1.73% | 6.29% | 0.29% |
| Q1 2025 | $3.79B | $1.33B | $3.75B | $790.1M | $42.7M | 4.72% | 6.62% | 1.31% |
| Q4 2024 | $3.44B | $1.34B | $3.41B | $827.5M | $163.9M | 4.27% | 7.37% | 0.43% |
| Q3 2024 | $4.59B | $1.63B | $4.57B | $780.8M | $117.3M | 3.97% | 7.02% | 0.30% |
Loan mix (Q2 2026): real estate $0 · commercial $192.6M · consumer $574.6M · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.11% | 1.26% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.2% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.11% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 24.8% | 59.0% | 2th |
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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