| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.9% | +2.6 pts |
| Deposit growth (YoY) | +4.4% | +4.3% | +0.1 pts |
| Loan growth (YoY) | +10.3% | +5.3% | +4.9 pts |
| ROA | 1.23% | 1.28% | -0.0 pts |
| ROE | 14.3% | 12.4% | +1.9 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $849.7M | $718.6M | $705.6M | $73.0M | $5.1M | 1.23% | 4.43% | 0.79% |
| Q1 2026 | $825.0M | $707.3M | $685.3M | $71.4M | $2.5M | 1.24% | 4.36% | 0.60% |
| Q4 2025 | $814.3M | $699.4M | $676.2M | $69.9M | $8.0M | 1.01% | 4.21% | 0.62% |
| Q3 2025 | $805.6M | $700.3M | $641.5M | $67.7M | $5.3M | 0.90% | 4.15% | 0.56% |
| Q2 2025 | $790.1M | $688.2M | $639.9M | $65.1M | $3.3M | 0.85% | 4.06% | 0.63% |
| Q1 2025 | $782.5M | $682.3M | $619.6M | $63.6M | $1.6M | 0.79% | 3.94% | 0.61% |
| Q4 2024 | $778.2M | $667.0M | $622.7M | $61.0M | $5.8M | 0.75% | 3.75% | 0.72% |
| Q3 2024 | $779.8M | $667.1M | $613.8M | $60.7M | $4.0M | 0.71% | 3.70% | 0.16% |
Loan mix (Q2 2026): real estate $471.2M · commercial $34.0M · consumer $157.5M · securities $83.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.28% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.4% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 61.2% | 55th |
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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