| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +5.5% | -8.5 pts |
| Deposit growth (YoY) | -2.7% | +5.1% | -7.7 pts |
| Loan growth (YoY) | +6.1% | +5.9% | +0.1 pts |
| ROA | 1.99% | 1.26% | +0.7 pts |
| ROE | 21.1% | 12.2% | +8.9 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.25B | $7.28B | $6.86B | $878.8M | $91.6M | 1.99% | 3.39% | 0.26% |
| Q1 2026 | $9.00B | $6.99B | $6.75B | $863.1M | $40.1M | 1.74% | 3.38% | 0.27% |
| Q4 2025 | $9.39B | $7.37B | $6.77B | $861.4M | $199.9M | 2.20% | 3.49% | 0.26% |
| Q3 2025 | $9.24B | $7.24B | $6.50B | $834.6M | $150.0M | 2.22% | 3.48% | 0.24% |
| Q2 2025 | $9.54B | $7.48B | $6.46B | $843.0M | $98.6M | 2.21% | 3.51% | 0.21% |
| Q1 2025 | $8.72B | $6.81B | $6.04B | $813.9M | $42.6M | 1.99% | 3.54% | 0.23% |
| Q4 2024 | $8.46B | $6.45B | $6.10B | $780.5M | $179.4M | 2.18% | 3.75% | 0.26% |
| Q3 2024 | $8.36B | $6.18B | $5.99B | $826.3M | $136.2M | 2.22% | 3.80% | 0.27% |
Loan mix (Q2 2026): real estate $1.70B · commercial $4.06B · consumer $675.4M · securities $1.09B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 1.26% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 21.1% | 12.2% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.4% | 59.0% | 10th |
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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