| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +5.5% | +1.6 pts |
| Deposit growth (YoY) | +6.6% | +5.1% | +1.6 pts |
| Loan growth (YoY) | +2.3% | +5.9% | -3.7 pts |
| ROA | 1.77% | 1.26% | +0.5 pts |
| ROE | 18.0% | 12.2% | +5.8 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.56B | $2.21B | $1.85B | $236.9M | $21.4M | 1.77% | 3.33% | 0.08% |
| Q1 2026 | $2.39B | $2.05B | $1.76B | $233.2M | $11.1M | 1.89% | 3.30% | 0.09% |
| Q4 2025 | $2.30B | $1.96B | $1.69B | $245.0M | $37.4M | 1.64% | 3.30% | 0.14% |
| Q3 2025 | $2.38B | $2.05B | $1.79B | $239.7M | $27.8M | 1.63% | 3.25% | 0.10% |
| Q2 2025 | $2.39B | $2.07B | $1.81B | $232.7M | $18.0M | 1.60% | 3.15% | 0.11% |
| Q1 2025 | $2.19B | $1.88B | $1.71B | $221.5M | $7.5M | 1.38% | 3.13% | 0.15% |
| Q4 2024 | $2.15B | $1.81B | $1.65B | $220.8M | $31.4M | 1.48% | 3.30% | 0.16% |
| Q3 2024 | $2.21B | $1.86B | $1.71B | $223.5M | $21.6M | 1.36% | 3.35% | 0.12% |
Loan mix (Q2 2026): real estate $622.7M · commercial $792.7M · consumer $317.6M · securities $531.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.26% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 12.2% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.5% | 59.0% | 4th |
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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