| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.5% | +1.8 pts |
| Deposit growth (YoY) | +2.8% | +5.1% | -2.3 pts |
| Loan growth (YoY) | +8.4% | +5.9% | +2.5 pts |
| ROA | 1.37% | 1.26% | +0.1 pts |
| ROE | 12.4% | 12.2% | +0.2 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.33B | $3.57B | $3.41B | $477.7M | $28.8M | 1.37% | 3.50% | 2.14% |
| Q1 2026 | $4.15B | $3.54B | $3.19B | $463.7M | $14.3M | 1.39% | 3.50% | 1.96% |
| Q4 2025 | $4.10B | $3.50B | $3.15B | $450.7M | $47.2M | 1.19% | 3.43% | 1.78% |
| Q3 2025 | $3.93B | $3.35B | $3.14B | $431.7M | $30.3M | 1.03% | 3.36% | 1.66% |
| Q2 2025 | $4.04B | $3.47B | $3.14B | $420.7M | $18.8M | 0.96% | 3.28% | 1.64% |
| Q1 2025 | $3.91B | $3.36B | $3.05B | $413.8M | $11.2M | 1.16% | 3.21% | 1.27% |
| Q4 2024 | $3.77B | $3.20B | $2.97B | $402.5M | $26.1M | 0.71% | 3.03% | 1.46% |
| Q3 2024 | $3.83B | $3.13B | $3.04B | $398.0M | $22.0M | 0.80% | 2.96% | 1.16% |
Loan mix (Q2 2026): real estate $2.32B · commercial $961.0M · consumer $73.7M · securities $493.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.26% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.2% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 59.0% | 71th |
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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