| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +5.5% | +2.0 pts |
| Deposit growth (YoY) | +7.0% | +5.1% | +2.0 pts |
| Loan growth (YoY) | +3.1% | +5.9% | -2.8 pts |
| ROA | 1.88% | 1.26% | +0.6 pts |
| ROE | 17.0% | 12.2% | +4.9 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 | $2.79B | $2.45B | $1.95B | $311.1M | $25.6M | 1.88% | 4.46% | 0.79% |
| Q1 2026 | $2.70B | $2.36B | $1.92B | $298.2M | $11.7M | 1.74% | 4.47% | 0.97% |
| Q4 2025 | $2.65B | $2.32B | $1.92B | $291.7M | $43.2M | 1.67% | 4.30% | 0.42% |
| Q3 2025 | $2.63B | $2.29B | $1.91B | $276.3M | $29.7M | 1.54% | 4.20% | 0.46% |
| Q2 2025 | $2.60B | $2.28B | $1.89B | $258.5M | $19.4M | 1.52% | 4.07% | 0.45% |
| Q1 2025 | $2.55B | $2.29B | $1.83B | $209.8M | $8.8M | 1.39% | 3.98% | 0.24% |
| Q4 2024 | $2.50B | $2.16B | $1.79B | $194.7M | $29.8M | 1.20% | 3.93% | 0.25% |
| Q3 2024 | $2.51B | $2.15B | $1.77B | $201.0M | $21.3M | 1.15% | 3.93% | 0.44% |
Loan mix (Q2 2026): real estate $1.70B · commercial $202.0M · consumer $36.2M · securities $395.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 1.26% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 12.2% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 59.0% | 36th |
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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