| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.5% | -0.5 pts |
| Deposit growth (YoY) | +5.8% | +5.1% | +0.7 pts |
| Loan growth (YoY) | +4.0% | +5.9% | -2.0 pts |
| ROA | 1.90% | 1.26% | +0.6 pts |
| ROE | 13.2% | 12.2% | +1.1 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.38B | $2.82B | $2.84B | $478.3M | $31.0M | 1.90% | 5.02% | 1.97% |
| Q1 2026 | $3.27B | $2.72B | $2.84B | $468.8M | $14.3M | 1.78% | 5.05% | 2.06% |
| Q4 2025 | $3.17B | $2.59B | $2.76B | $461.9M | $52.4M | 1.64% | 5.14% | 2.91% |
| Q3 2025 | $3.23B | $2.66B | $2.76B | $476.0M | $42.0M | 1.75% | 5.12% | 2.97% |
| Q2 2025 | $3.22B | $2.67B | $2.73B | $473.3M | $28.7M | 1.80% | 5.20% | 2.17% |
| Q1 2025 | $3.13B | $2.60B | $2.67B | $464.5M | $12.9M | 1.63% | 5.61% | 2.31% |
| Q4 2024 | $3.23B | $2.69B | $2.78B | $458.3M | $50.2M | 1.56% | 4.53% | 2.34% |
| Q3 2024 | $3.20B | $2.62B | $2.77B | $453.1M | $38.6M | 1.60% | 4.59% | 1.68% |
Loan mix (Q2 2026): real estate $1.60B · commercial $1.28B · consumer $409K · securities $162.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 1.26% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.2% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.02% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.1% | 59.0% | 16th |
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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