| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +45.3% | +5.9% | +39.5 pts |
| Deposit growth (YoY) | +53.0% | +5.7% | +47.4 pts |
| Loan growth (YoY) | +25.0% | +6.9% | +18.0 pts |
| ROA | 0.92% | 1.23% | -0.3 pts |
| ROE | 9.3% | 11.2% | -2.0 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.69B | $13.88B | $3.64B | $1.35B | $62.0M | 0.92% | 1.89% | 0.00% |
| Q1 2026 | $12.15B | $10.40B | $3.60B | $1.34B | $28.8M | 0.94% | 2.08% | 0.00% |
| Q4 2025 | $12.46B | $10.76B | $3.27B | $1.33B | $107.3M | 0.92% | 2.12% | 0.00% |
| Q3 2025 | $12.41B | $10.57B | $3.21B | $1.34B | $76.4M | 0.89% | 2.11% | 0.02% |
| Q2 2025 | $10.80B | $9.07B | $2.92B | $1.30B | $47.2M | 0.85% | 2.19% | 0.02% |
| Q1 2025 | $11.10B | $9.42B | $2.82B | $1.29B | $33.2M | 1.18% | 2.23% | 0.00% |
| Q4 2024 | $11.31B | $9.46B | $3.06B | $1.25B | $116.4M | 1.12% | 2.47% | 0.00% |
| Q3 2024 | $10.38B | $8.58B | $2.95B | $1.28B | $96.8M | 1.26% | 2.54% | 0.00% |
Loan mix (Q2 2026): real estate $1.14B · commercial $35K · consumer $15.4M · securities $6.38B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.23% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 11.3% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.89% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 54.9% | 76th |
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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