| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +5.5% | -2.4 pts |
| Deposit growth (YoY) | +1.0% | +5.1% | -4.0 pts |
| Loan growth (YoY) | +2.8% | +5.9% | -3.1 pts |
| ROA | 1.41% | 1.26% | +0.2 pts |
| ROE | 14.0% | 12.2% | +1.8 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.01B | $834.8M | $816.0M | $103.4M | $7.1M | 1.41% | 4.30% | 0.02% |
| Q1 2026 | $1.00B | $846.1M | $800.9M | $100.4M | $3.2M | 1.30% | 4.18% | 0.04% |
| Q4 2025 | $988.7M | $832.7M | $804.8M | $98.3M | $10.3M | 1.06% | 3.99% | 0.07% |
| Q3 2025 | $979.4M | $826.4M | $802.1M | $95.7M | $7.4M | 1.01% | 3.90% | 0.07% |
| Q2 2025 | $975.0M | $826.3M | $793.5M | $92.2M | $4.0M | 0.83% | 3.84% | 0.06% |
| Q1 2025 | $968.6M | $811.6M | $773.9M | $90.4M | $1.8M | 0.74% | 3.74% | 0.09% |
| Q4 2024 | $952.1M | $790.6M | $759.6M | $88.9M | $7.9M | 0.85% | 3.75% | 0.12% |
| Q3 2024 | $933.2M | $767.8M | $748.4M | $87.9M | $6.0M | 0.88% | 3.73% | 0.08% |
Loan mix (Q2 2026): real estate $529.9M · commercial $26.1M · consumer $256.0M · securities $45.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.26% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 12.2% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% | 59.0% | 53th |
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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