| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.5% | +5.5% | +6.0 pts |
| Deposit growth (YoY) | +11.6% | +5.1% | +6.6 pts |
| Loan growth (YoY) | +9.0% | +5.9% | +3.1 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 17.3% | 12.2% | +5.1 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.37B | $5.36B | $4.43B | $531.5M | $45.0M | 1.42% | 2.78% | 0.25% |
| Q1 2026 | $6.81B | $5.83B | $4.36B | $513.1M | $20.9M | 1.32% | 2.73% | 0.28% |
| Q4 2025 | $5.85B | $4.87B | $4.18B | $514.3M | $85.8M | 1.50% | 2.80% | 0.24% |
| Q3 2025 | $5.68B | $4.75B | $4.09B | $507.2M | $60.1M | 1.40% | 2.77% | 0.23% |
| Q2 2025 | $5.71B | $4.80B | $4.07B | $481.4M | $40.8M | 1.43% | 2.72% | 0.24% |
| Q1 2025 | $5.41B | $4.51B | $3.82B | $473.6M | $21.6M | 1.51% | 2.70% | 0.26% |
| Q4 2024 | $6.03B | $5.16B | $3.83B | $440.3M | $66.4M | 1.28% | 2.74% | 0.22% |
| Q3 2024 | $5.19B | $4.31B | $3.51B | $459.4M | $48.0M | 1.28% | 2.79% | 0.30% |
Loan mix (Q2 2026): real estate $1.48B · commercial $2.16B · consumer $458.2M · securities $872.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 12.2% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 29.2% | 59.0% | 2th |
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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