| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +5.5% | -1.9 pts |
| Deposit growth (YoY) | +3.1% | +5.1% | -2.0 pts |
| Loan growth (YoY) | +10.6% | +5.9% | +4.6 pts |
| ROA | 1.41% | 1.26% | +0.1 pts |
| ROE | 11.2% | 12.2% | -0.9 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.08B | $923.3M | $890.1M | $136.1M | $7.4M | 1.41% | 4.55% | 0.00% |
| Q1 2026 | $1.05B | $890.5M | $842.2M | $132.8M | $3.8M | 1.46% | 4.48% | 0.00% |
| Q4 2025 | $1.04B | $884.1M | $832.1M | $129.0M | $12.2M | 1.12% | 4.10% | 0.00% |
| Q3 2025 | $1.12B | $962.8M | $795.5M | $124.5M | $8.2M | 1.00% | 3.96% | 0.00% |
| Q2 2025 | $1.04B | $895.6M | $805.1M | $120.1M | $5.0M | 0.92% | 3.97% | 0.15% |
| Q1 2025 | $1.10B | $957.4M | $790.6M | $116.5M | $2.6M | 0.94% | 3.76% | 0.00% |
| Q4 2024 | $1.12B | $972.5M | $772.9M | $111.8M | $9.3M | 0.90% | 3.94% | 0.00% |
| Q3 2024 | $1.08B | $934.9M | $766.4M | $110.3M | $6.2M | 0.81% | 3.93% | 0.00% |
Loan mix (Q2 2026): real estate $433.9M · commercial $425.9M · consumer $0 · securities $64.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.26% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.2% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 59.0% | 70th |
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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