| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +5.5% | -2.5 pts |
| Deposit growth (YoY) | +3.6% | +5.1% | -1.4 pts |
| Loan growth (YoY) | +4.7% | +5.9% | -1.2 pts |
| ROA | 1.20% | 1.26% | -0.1 pts |
| ROE | 10.6% | 12.2% | -1.6 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.66B | $2.76B | $2.89B | $410.7M | $21.9M | 1.20% | 3.01% | 0.97% |
| Q1 2026 | $3.67B | $2.74B | $2.91B | $418.3M | $10.8M | 1.19% | 2.98% | 0.99% |
| Q4 2025 | $3.62B | $2.73B | $2.89B | $411.7M | $40.4M | 1.12% | 2.89% | 0.98% |
| Q3 2025 | $3.72B | $2.79B | $2.92B | $403.0M | $28.4M | 1.05% | 2.84% | 0.98% |
| Q2 2025 | $3.55B | $2.66B | $2.76B | $395.7M | $18.4M | 1.03% | 2.86% | 1.02% |
| Q1 2025 | $3.59B | $2.81B | $2.78B | $388.9M | $8.6M | 0.96% | 2.71% | 1.02% |
| Q4 2024 | $3.58B | $2.74B | $2.79B | $382.8M | $33.3M | 0.94% | 2.62% | 1.03% |
| Q3 2024 | $3.61B | $2.73B | $2.72B | $377.6M | $24.1M | 0.91% | 2.59% | 1.06% |
Loan mix (Q2 2026): real estate $2.02B · commercial $900.1M · consumer $1.0M · securities $207.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.26% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 12.2% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.3% | 59.0% | 13th |
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% |
The full ratio pack is part of CharterBench Pro.