| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.8% | +5.5% | +7.3 pts |
| Deposit growth (YoY) | +13.9% | +5.1% | +8.8 pts |
| Loan growth (YoY) | +11.1% | +6.0% | +5.2 pts |
| ROA | 1.23% | 1.26% | -0.0 pts |
| ROE | 12.1% | 12.2% | -0.1 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.86B | $7.78B | $7.27B | $967.2M | $53.2M | 1.23% | 4.20% | 0.76% |
| Q1 2026 | $8.84B | $7.79B | $6.96B | $946.4M | $32.6M | 1.53% | 4.14% | 0.80% |
| Q4 2025 | $8.25B | $7.43B | $6.71B | $726.7M | $76.4M | 0.97% | 4.00% | 1.05% |
| Q3 2025 | $8.23B | $7.14B | $6.69B | $719.6M | $46.4M | 0.80% | 3.88% | 0.99% |
| Q2 2025 | $7.85B | $6.83B | $6.54B | $727.7M | $38.1M | 1.00% | 3.84% | 0.51% |
| Q1 2025 | $7.61B | $6.53B | $6.27B | $710.7M | $18.0M | 0.97% | 3.72% | 0.45% |
| Q4 2024 | $7.30B | $6.02B | $5.97B | $731.7M | $71.3M | 0.98% | 3.64% | 0.45% |
| Q3 2024 | $7.40B | $6.32B | $5.83B | $718.1M | $48.7M | 0.89% | 3.59% | 0.42% |
Loan mix (Q2 2026): real estate $6.49B · commercial $830.8M · consumer $9.3M · securities $1.09B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.26% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 12.2% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 59.0% | 29th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
11 branches in 6 counties across 3 states (+3 vs 2025) · $7.78B branch deposits. Biggest market: New York, NY, ranked 20th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 6 | $7.30B | 0.38% | 20th |
| Nassau, NY | 1 | $198.1M | 0.18% | 34th |
| Kings, NY | 1 | $194.3M | 0.28% | 27th |
| 3 more counties with Pro → | ||||
New York: 36th with 0.27% · Florida: 258th with 0.01% · New Jersey: 165th with 0.00% · New York-Newark-Jersey City metro: 37th, 0.26% · Miami-Fort Lauderdale-West Palm Beach metro: 99th, 0.02% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8 · 2026 11
Technology spend down 29% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).