| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +5.5% | +6.2 pts |
| Deposit growth (YoY) | +12.0% | +5.1% | +7.0 pts |
| Loan growth (YoY) | +21.3% | +5.9% | +15.3 pts |
| ROA | 0.74% | 1.26% | -0.5 pts |
| ROE | 5.9% | 12.2% | -6.3 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.34B | $2.01B | $1.87B | $285.5M | $8.3M | 0.74% | 4.10% | 0.39% |
| Q1 2026 | $2.21B | $1.89B | $1.70B | $283.2M | $5.4M | 1.00% | 3.99% | 0.41% |
| Q4 2025 | $2.15B | $1.78B | $1.65B | $278.8M | $19.3M | 0.92% | 3.92% | 0.52% |
| Q3 2025 | $2.24B | $1.93B | $1.61B | $269.2M | $15.8M | 1.00% | 3.90% | 0.53% |
| Q2 2025 | $2.10B | $1.79B | $1.54B | $263.7M | $11.5M | 1.13% | 3.92% | 0.55% |
| Q1 2025 | $2.07B | $1.77B | $1.49B | $257.3M | $5.4M | 1.07% | 3.92% | 0.52% |
| Q4 2024 | $1.98B | $1.64B | $1.43B | $250.3M | $17.4M | 0.89% | 3.81% | 0.27% |
| Q3 2024 | $2.01B | $1.72B | $1.40B | $248.3M | $14.4M | 0.99% | 3.85% | 0.27% |
Loan mix (Q2 2026): real estate $1.61B · commercial $269.9M · consumer $14.7M · securities $245.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.26% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 12.2% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 59.0% | 90th |
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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