| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.5% | -3.6 pts |
| Deposit growth (YoY) | +2.0% | +5.1% | -3.0 pts |
| Loan growth (YoY) | +1.0% | +5.9% | -5.0 pts |
| ROA | 1.28% | 1.26% | +0.0 pts |
| ROE | 12.0% | 12.2% | -0.2 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.15B | $5.43B | $4.85B | $675.0M | $39.8M | 1.28% | 3.77% | 1.05% |
| Q1 2026 | $6.20B | $5.49B | $4.81B | $660.6M | $19.0M | 1.22% | 3.74% | 1.05% |
| Q4 2025 | $6.25B | $5.56B | $4.87B | $648.3M | $67.1M | 1.08% | 3.45% | 0.65% |
| Q3 2025 | $6.28B | $5.53B | $4.84B | $639.7M | $48.6M | 1.05% | 3.39% | 0.39% |
| Q2 2025 | $6.04B | $5.32B | $4.80B | $627.8M | $32.6M | 1.06% | 3.36% | 0.28% |
| Q1 2025 | $6.18B | $5.47B | $4.74B | $617.1M | $15.6M | 1.01% | 3.28% | 0.27% |
| Q4 2024 | $6.23B | $5.54B | $4.73B | $604.3M | $51.2M | 0.86% | 3.19% | 0.34% |
| Q3 2024 | $5.91B | $5.23B | $4.70B | $596.0M | $35.9M | 0.81% | 3.20% | 0.26% |
Loan mix (Q2 2026): real estate $4.43B · commercial $208.3M · consumer $242.9M · securities $659.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.26% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 12.2% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 59.0% | 32th |
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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