| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +39.7% | +5.5% | +34.3 pts |
| Deposit growth (YoY) | +42.7% | +5.1% | +37.7 pts |
| Loan growth (YoY) | +55.2% | +5.9% | +49.2 pts |
| ROA | 2.47% | 1.26% | +1.2 pts |
| ROE | 23.8% | 12.2% | +11.6 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.59B | $8.54B | $4.36B | $956.8M | $108.9M | 2.47% | 4.04% | 0.19% |
| Q1 2026 | $8.79B | $7.77B | $3.43B | $911.5M | $48.3M | 2.30% | 3.99% | 0.24% |
| Q4 2025 | $8.04B | $7.06B | $3.13B | $881.5M | $178.3M | 2.48% | 4.10% | 0.27% |
| Q3 2025 | $7.42B | $6.47B | $2.82B | $822.0M | $128.4M | 2.45% | 4.12% | 0.27% |
| Q2 2025 | $6.87B | $5.98B | $2.81B | $810.6M | $83.4M | 2.44% | 4.15% | 0.29% |
| Q1 2025 | $6.87B | $6.03B | $2.88B | $766.1M | $40.4M | 2.37% | 4.10% | 0.28% |
| Q4 2024 | $6.76B | $5.96B | $2.88B | $718.3M | $154.2M | 2.35% | 3.92% | 0.26% |
| Q3 2024 | $6.72B | $5.87B | $2.79B | $683.8M | $112.3M | 2.30% | 3.87% | 0.22% |
Loan mix (Q2 2026): real estate $2.56B · commercial $0 · consumer $240.1M · securities $4.75B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.47% | 1.26% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 23.8% | 12.2% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 27.2% | 59.0% | 2th |
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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