| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.5% | +1.2 pts |
| Deposit growth (YoY) | +7.2% | +5.1% | +2.1 pts |
| Loan growth (YoY) | +5.2% | +5.9% | -0.7 pts |
| ROA | 1.56% | 1.26% | +0.3 pts |
| ROE | 13.5% | 12.2% | +1.3 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.86B | $3.19B | $2.07B | $443.9M | $29.7M | 1.56% | 3.26% | 0.01% |
| Q1 2026 | $3.82B | $3.18B | $2.11B | $443.0M | $13.2M | 1.39% | 3.24% | 0.00% |
| Q4 2025 | $3.78B | $3.13B | $2.06B | $434.9M | $50.2M | 1.37% | 3.22% | 0.00% |
| Q3 2025 | $3.70B | $3.07B | $2.03B | $426.8M | $36.1M | 1.33% | 3.20% | 0.00% |
| Q2 2025 | $3.62B | $2.97B | $1.97B | $400.9M | $23.2M | 1.28% | 3.15% | 0.03% |
| Q1 2025 | $3.64B | $2.97B | $1.98B | $392.9M | $11.3M | 1.26% | 3.11% | 0.03% |
| Q4 2024 | $3.58B | $2.89B | $1.92B | $360.5M | $45.0M | 1.22% | 3.08% | 0.03% |
| Q3 2024 | $3.64B | $2.94B | $1.91B | $389.9M | $31.8M | 1.14% | 3.04% | 0.03% |
Loan mix (Q2 2026): real estate $1.83B · commercial $184.8M · consumer $4.0M · securities $1.42B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.26% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 12.2% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.4% | 59.0% | 19th |
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% |
The full ratio pack is part of CharterBench Pro.