| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.5% | +1.1 pts |
| Deposit growth (YoY) | +5.2% | +5.1% | +0.1 pts |
| Loan growth (YoY) | +7.7% | +5.9% | +1.8 pts |
| ROA | 1.23% | 1.26% | -0.0 pts |
| ROE | 10.8% | 12.2% | -1.3 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 | $5.43B | $4.51B | $4.26B | $615.1M | $32.9M | 1.23% | 3.75% | 0.28% |
| Q1 2026 | $5.42B | $4.43B | $4.15B | $606.6M | $16.2M | 1.21% | 3.66% | 0.25% |
| Q4 2025 | $5.26B | $4.44B | $4.03B | $599.6M | $64.8M | 1.27% | 3.69% | 0.25% |
| Q3 2025 | $5.15B | $4.29B | $3.98B | $590.3M | $49.8M | 1.31% | 3.66% | 0.35% |
| Q2 2025 | $5.10B | $4.29B | $3.96B | $574.8M | $33.0M | 1.30% | 3.63% | 0.36% |
| Q1 2025 | $4.99B | $4.32B | $3.95B | $513.1M | $15.6M | 1.24% | 3.51% | 0.49% |
| Q4 2024 | $5.08B | $4.41B | $3.95B | $499.4M | $12.4M | 0.29% | 3.01% | 0.44% |
| Q3 2024 | $5.35B | $4.64B | $4.03B | $507.7M | $5.5M | 0.18% | 2.82% | 0.42% |
Loan mix (Q2 2026): real estate $3.16B · commercial $731.7M · consumer $97.2M · securities $526.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.26% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.2% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.8% | 59.0% | 35th |
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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