| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +5.5% | +0.2 pts |
| Deposit growth (YoY) | +6.2% | +5.1% | +1.2 pts |
| Loan growth (YoY) | +10.3% | +5.9% | +4.3 pts |
| ROA | 1.09% | 1.26% | -0.2 pts |
| ROE | 13.7% | 12.2% | +1.5 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.28B | $2.05B | $1.39B | $179.6M | $12.5M | 1.09% | 3.91% | 0.36% |
| Q1 2026 | $2.34B | $2.11B | $1.34B | $184.4M | $6.1M | 1.06% | 3.83% | 0.27% |
| Q4 2025 | $2.21B | $1.98B | $1.31B | $181.6M | $22.9M | 1.05% | 3.73% | 0.37% |
| Q3 2025 | $2.16B | $1.93B | $1.27B | $189.6M | $17.1M | 1.06% | 3.71% | 0.27% |
| Q2 2025 | $2.16B | $1.93B | $1.26B | $180.6M | $10.9M | 1.01% | 3.65% | 0.42% |
| Q1 2025 | $2.18B | $1.98B | $1.20B | $173.0M | $5.4M | 0.99% | 3.50% | 0.50% |
| Q4 2024 | $2.14B | $1.96B | $1.19B | $164.0M | $17.5M | 0.84% | 3.34% | 0.51% |
| Q3 2024 | $2.02B | $1.84B | $1.17B | $167.7M | $12.5M | 0.81% | 3.29% | 0.43% |
Loan mix (Q2 2026): real estate $1.20B · commercial $102.4M · consumer $53.6M · securities $602.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.26% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 59.0% | 68th |
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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