| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +5.5% | +5.2 pts |
| Deposit growth (YoY) | +10.7% | +5.1% | +5.7 pts |
| Loan growth (YoY) | +15.1% | +5.9% | +9.2 pts |
| ROA | 0.84% | 1.26% | -0.4 pts |
| ROE | 9.2% | 12.2% | -3.0 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.96B | $7.06B | $6.61B | $700.2M | $32.4M | 0.84% | 3.35% | 0.91% |
| Q1 2026 | $7.69B | $6.84B | $6.38B | $682.3M | $16.1M | 0.85% | 3.33% | 0.77% |
| Q4 2025 | $7.52B | $6.60B | $6.19B | $733.4M | $41.6M | 0.57% | 2.94% | 0.91% |
| Q3 2025 | $7.44B | $6.58B | $5.96B | $717.7M | $28.5M | 0.53% | 2.85% | 1.13% |
| Q2 2025 | $7.20B | $6.38B | $5.74B | $704.6M | $17.9M | 0.50% | 2.81% | 1.60% |
| Q1 2025 | $7.12B | $6.30B | $5.68B | $696.7M | $9.0M | 0.51% | 2.77% | 1.37% |
| Q4 2024 | $7.01B | $6.15B | $5.45B | $713.4M | $38.9M | 0.59% | 2.44% | 1.43% |
| Q3 2024 | $6.79B | $5.96B | $5.25B | $716.2M | $28.0M | 0.57% | 2.38% | 1.19% |
Loan mix (Q2 2026): real estate $4.18B · commercial $1.96B · consumer $218.3M · securities $844.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.26% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 12.2% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 59.0% | 66th |
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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