| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +5.5% | +4.0 pts |
| Deposit growth (YoY) | +9.6% | +5.1% | +4.5 pts |
| Loan growth (YoY) | +5.0% | +5.9% | -1.0 pts |
| ROA | 1.96% | 1.26% | +0.7 pts |
| ROE | 20.6% | 12.2% | +8.4 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.33B | $1.20B | $856.4M | $124.7M | $12.7M | 1.96% | 3.79% | 0.22% |
| Q1 2026 | $1.29B | $1.16B | $840.7M | $124.0M | $6.1M | 1.90% | 3.74% | 0.22% |
| Q4 2025 | $1.29B | $1.16B | $837.6M | $122.6M | $20.2M | 1.63% | 3.71% | 0.20% |
| Q3 2025 | $1.30B | $1.18B | $822.7M | $114.9M | $13.7M | 1.49% | 3.65% | 0.23% |
| Q2 2025 | $1.21B | $1.10B | $816.0M | $115.3M | $8.6M | 1.43% | 3.63% | 0.06% |
| Q1 2025 | $1.21B | $1.09B | $786.2M | $111.0M | $4.0M | 1.33% | 3.48% | 0.19% |
| Q4 2024 | $1.18B | $1.07B | $800.2M | $103.9M | $14.4M | 1.26% | 3.43% | 0.38% |
| Q3 2024 | $1.16B | $1.05B | $836.6M | $104.7M | $10.1M | 1.20% | 3.39% | 0.40% |
Loan mix (Q2 2026): real estate $692.1M · commercial $113.9M · consumer $4.3M · securities $399.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 1.26% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 20.6% | 12.2% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 59.0% | 20th |
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.