| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.5% | -0.7 pts |
| Deposit growth (YoY) | +3.6% | +5.1% | -1.4 pts |
| Loan growth (YoY) | -6.6% | +5.9% | -12.5 pts |
| ROA | 1.50% | 1.26% | +0.2 pts |
| ROE | 13.9% | 12.2% | +1.7 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.77B | $2.39B | $1.87B | $315.3M | $21.5M | 1.50% | 2.90% | 0.35% |
| Q1 2026 | $3.09B | $2.73B | $2.02B | $307.9M | $9.7M | 1.34% | 2.86% | 0.37% |
| Q4 2025 | $2.69B | $2.30B | $2.00B | $303.8M | $34.9M | 1.30% | 3.06% | 0.50% |
| Q3 2025 | $2.78B | $2.41B | $2.09B | $298.4M | $25.2M | 1.25% | 3.01% | 0.47% |
| Q2 2025 | $2.65B | $2.31B | $2.01B | $297.8M | $16.8M | 1.26% | 3.00% | 0.56% |
| Q1 2025 | $2.76B | $2.40B | $2.01B | $290.0M | $8.5M | 1.28% | 2.97% | 0.67% |
| Q4 2024 | $2.57B | $2.13B | $2.02B | $280.9M | $22.4M | 0.89% | 3.04% | 0.72% |
| Q3 2024 | $2.53B | $2.21B | $2.06B | $276.6M | $15.4M | 0.81% | 3.00% | 0.60% |
Loan mix (Q2 2026): real estate $1.33B · commercial $352.7M · consumer $9.7M · securities $347.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.26% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.2% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 59.0% | 34th |
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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