| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +5.5% | +6.5 pts |
| Deposit growth (YoY) | +13.1% | +5.1% | +8.1 pts |
| Loan growth (YoY) | +8.2% | +5.9% | +2.3 pts |
| ROA | 1.50% | 1.26% | +0.2 pts |
| ROE | 16.8% | 12.2% | +4.6 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.34B | $2.86B | $2.45B | $283.9M | $24.1M | 1.50% | 3.41% | 0.31% |
| Q1 2026 | $3.15B | $2.66B | $2.39B | $292.8M | $11.5M | 1.47% | 3.45% | 0.35% |
| Q4 2025 | $3.14B | $2.65B | $2.38B | $284.7M | $48.7M | 1.65% | 3.42% | 0.40% |
| Q3 2025 | $3.11B | $2.65B | $2.35B | $271.4M | $36.8M | 1.68% | 3.41% | 0.23% |
| Q2 2025 | $2.98B | $2.52B | $2.26B | $265.2M | $24.2M | 1.70% | 3.41% | 0.41% |
| Q1 2025 | $2.84B | $2.40B | $2.21B | $251.4M | $11.4M | 1.65% | 3.41% | 0.46% |
| Q4 2024 | $2.71B | $2.27B | $2.12B | $240.4M | $44.9M | 1.68% | 3.43% | 0.40% |
| Q3 2024 | $2.69B | $2.23B | $2.07B | $259.6M | $34.2M | 1.71% | 3.44% | 0.38% |
Loan mix (Q2 2026): real estate $944.9M · commercial $1.04B · consumer $323.9M · securities $646.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.26% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 12.2% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.4% | 59.0% | 4th |
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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