| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.5% | -1.4 pts |
| Deposit growth (YoY) | +2.8% | +5.1% | -2.2 pts |
| Loan growth (YoY) | +1.4% | +5.9% | -4.5 pts |
| ROA | 2.00% | 1.26% | +0.7 pts |
| ROE | 20.5% | 12.2% | +8.3 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 | $2.23B | $1.85B | $1.70B | $219.9M | $22.1M | 2.00% | 4.39% | 0.50% |
| Q1 2026 | $2.21B | $1.84B | $1.67B | $212.7M | $9.7M | 1.75% | 4.30% | 0.47% |
| Q4 2025 | $2.21B | $1.85B | $1.65B | $213.8M | $39.9M | 1.85% | 4.21% | 0.38% |
| Q3 2025 | $2.23B | $1.87B | $1.64B | $206.8M | $29.1M | 1.80% | 4.14% | 0.63% |
| Q2 2025 | $2.15B | $1.80B | $1.68B | $199.1M | $18.4M | 1.74% | 4.07% | 0.50% |
| Q1 2025 | $2.10B | $1.81B | $1.64B | $192.3M | $8.6M | 1.63% | 3.98% | 0.50% |
| Q4 2024 | $2.12B | $1.83B | $1.61B | $183.6M | $16.7M | 1.07% | 3.35% | 0.49% |
| Q3 2024 | $1.48B | $1.24B | $1.08B | $144.1M | $15.1M | 1.42% | 3.51% | 0.47% |
Loan mix (Q2 2026): real estate $1.27B · commercial $314.4M · consumer $32.1M · securities $382.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 1.26% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 12.2% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.0% | 59.0% | 24th |
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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