| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +75.3% | +5.9% | +69.4 pts |
| Deposit growth (YoY) | +44.6% | +5.7% | +38.9 pts |
| Loan growth (YoY) | +20.9% | +6.9% | +13.9 pts |
| ROA | 1.56% | 1.23% | +0.3 pts |
| ROE | 15.3% | 11.2% | +4.1 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $419.32B | $278.94B | $114.51B | $40.63B | $2.76B | 1.56% | 1.53% | 0.28% |
| Q1 2026 | $391.31B | $254.34B | $113.13B | $41.95B | $1.33B | 1.65% | 1.68% | 0.33% |
| Q4 2025 | $253.35B | $205.15B | $101.31B | $25.58B | $4.50B | 1.86% | 1.93% | 0.34% |
| Q3 2025 | $249.68B | $201.60B | $101.21B | $25.98B | $3.37B | 1.88% | 1.97% | 0.39% |
| Q2 2025 | $239.25B | $192.90B | $94.73B | $24.65B | $2.28B | 1.95% | 2.00% | 0.39% |
| Q1 2025 | $234.48B | $187.09B | $93.02B | $23.46B | $1.12B | 1.92% | 1.96% | 0.34% |
| Q4 2024 | $230.71B | $187.09B | $84.42B | $22.09B | $4.71B | 2.16% | 2.39% | 0.31% |
| Q3 2024 | $224.86B | $180.16B | $81.27B | $24.76B | $3.56B | 2.21% | 2.47% | 0.34% |
Loan mix (Q2 2026): real estate $12.94B · commercial $8.16B · consumer $0 · securities $82.56B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.23% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.3% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.53% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.8% | 54.9% | 14th |
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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Feb 14, 2026 | Acquirer | — | Reorganization | Completed | FDIC |
1 branches in 1 county across 1 state (+0 vs 2025) · $268.75B branch deposits. Biggest market: Salt Lake, UT, ranked 1st with 22.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $268.75B | 22.48% | 1st |
Utah: 1st with 20.97% · Salt Lake City-Murray metro: 1st, 22.46% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1