| Metric | Oakworth Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.3% | +5.5% | +9.8 pts |
| Deposit growth (YoY) | +12.0% | +5.1% | +6.9 pts |
| Loan growth (YoY) | +15.3% | +5.9% | +9.4 pts |
| ROA | 1.17% | 1.26% | -0.1 pts |
| ROE | 12.9% | 12.2% | +0.8 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.13B | $1.77B | $1.71B | $193.6M | $12.1M | 1.17% | 3.73% | 0.66% |
| Q1 2026 | $2.04B | $1.79B | $1.65B | $185.6M | $5.6M | 1.09% | 3.69% | 0.72% |
| Q4 2025 | $2.05B | $1.84B | $1.58B | $182.8M | $22.1M | 1.17% | 3.76% | 0.19% |
| Q3 2025 | $1.92B | $1.70B | $1.51B | $177.6M | $16.2M | 1.17% | 3.76% | 0.26% |
| Q2 2025 | $1.85B | $1.58B | $1.48B | $169.0M | $10.6M | 1.16% | 3.76% | 0.32% |
| Q1 2025 | $1.82B | $1.63B | $1.48B | $163.7M | $5.6M | 1.24% | 3.76% | 0.83% |
| Q4 2024 | $1.79B | $1.61B | $1.44B | $156.8M | $17.8M | 1.06% | 3.56% | 0.32% |
| Q3 2024 | $1.74B | $1.53B | $1.40B | $150.2M | $13.2M | 1.07% | 3.51% | 0.31% |
Loan mix (Q2 2026): real estate $937.1M · commercial $679.5M · consumer $27.8M · securities $226.1M
| Ratio | Oakworth Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.26% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 12.2% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 59.0% | 49th |
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 | Oakworth Capital Bank | 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 | Oakworth Capital Bank | 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 | Oakworth Capital Bank | 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 | Oakworth Capital Bank | 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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