| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +5.5% | +0.9 pts |
| Deposit growth (YoY) | +5.1% | +5.1% | +0.0 pts |
| Loan growth (YoY) | +6.5% | +5.9% | +0.6 pts |
| ROA | 0.96% | 1.26% | -0.3 pts |
| ROE | 8.4% | 12.2% | -3.8 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.82B | $6.04B | $6.75B | $1.01B | $41.5M | 0.96% | 2.58% | 0.39% |
| Q1 2026 | $8.57B | $6.01B | $6.54B | $985.3M | $19.5M | 0.91% | 2.53% | 0.42% |
| Q4 2025 | $8.54B | $5.96B | $6.52B | $963.4M | $73.6M | 0.89% | 2.47% | 0.41% |
| Q3 2025 | $8.43B | $5.83B | $6.45B | $935.5M | $52.3M | 0.86% | 2.45% | 0.41% |
| Q2 2025 | $8.29B | $5.75B | $6.34B | $915.6M | $33.2M | 0.82% | 2.41% | 0.36% |
| Q1 2025 | $8.05B | $5.64B | $6.07B | $899.1M | $15.1M | 0.76% | 2.35% | 0.42% |
| Q4 2024 | $7.84B | $5.63B | $5.89B | $887.5M | $54.0M | 0.72% | 2.27% | 0.28% |
| Q3 2024 | $7.67B | $5.51B | $5.75B | $859.7M | $39.2M | 0.70% | 2.27% | 0.29% |
Loan mix (Q2 2026): real estate $5.56B · commercial $867.5M · consumer $219.5M · securities $1.58B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.26% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.2% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.58% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 59.0% | 40th |
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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