| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +5.5% | +0.1 pts |
| Deposit growth (YoY) | -3.9% | +5.1% | -8.9 pts |
| Loan growth (YoY) | +3.0% | +5.9% | -2.9 pts |
| ROA | 2.13% | 1.26% | +0.9 pts |
| ROE | 32.0% | 12.2% | +19.8 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.47B | $1.09B | $773.8M | $100.0M | $15.6M | 2.13% | 3.08% | 0.31% |
| Q1 2026 | $1.45B | $1.14B | $758.6M | $94.7M | $6.9M | 1.90% | 2.95% | 0.31% |
| Q4 2025 | $1.46B | $1.11B | $754.2M | $97.5M | $21.2M | 1.52% | 2.43% | 0.26% |
| Q3 2025 | $1.41B | $1.13B | $752.1M | $92.6M | $13.9M | 1.34% | 2.28% | 0.38% |
| Q2 2025 | $1.40B | $1.13B | $750.9M | $83.7M | $7.6M | 1.11% | 2.14% | 0.38% |
| Q1 2025 | $1.37B | $1.19B | $726.2M | $75.5M | $3.3M | 0.96% | 2.06% | 0.40% |
| Q4 2024 | $1.36B | $1.19B | $728.0M | $63.8M | $10.2M | 0.79% | 1.67% | 0.18% |
| Q3 2024 | $1.29B | $1.11B | $701.4M | $71.2M | $5.6M | 0.58% | 1.45% | 0.59% |
Loan mix (Q2 2026): real estate $587.3M · commercial $138.1M · consumer $1.9M · securities $476.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 1.26% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 32.0% | 12.2% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.7% | 59.0% | 23th |
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% |
The full ratio pack is part of CharterBench Pro.