| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +5.5% | +0.5 pts |
| Deposit growth (YoY) | +5.6% | +5.1% | +0.6 pts |
| Loan growth (YoY) | +7.1% | +5.9% | +1.2 pts |
| ROA | 1.57% | 1.26% | +0.3 pts |
| ROE | 12.8% | 12.2% | +0.6 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 | $1.31B | $1.14B | $1.02B | $161.9M | $10.2M | 1.57% | 3.97% | 0.66% |
| Q1 2026 | $1.28B | $1.12B | $998.5M | $159.3M | $4.7M | 1.44% | 3.90% | 0.68% |
| Q4 2025 | $1.31B | $1.14B | $994.6M | $157.5M | $19.5M | 1.53% | 3.71% | 0.19% |
| Q3 2025 | $1.31B | $1.16B | $973.7M | $152.6M | $15.6M | 1.64% | 3.67% | 0.12% |
| Q2 2025 | $1.24B | $1.08B | $956.6M | $149.5M | $10.7M | 1.71% | 3.67% | 0.00% |
| Q1 2025 | $1.27B | $1.12B | $947.5M | $147.4M | $7.1M | 2.24% | 3.73% | 0.00% |
| Q4 2024 | $1.26B | $1.11B | $930.0M | $141.9M | $12.8M | 1.05% | 3.10% | 1.02% |
| Q3 2024 | $1.21B | $1.06B | $924.4M | $139.1M | $8.6M | 0.94% | 3.06% | 1.11% |
Loan mix (Q2 2026): real estate $668.4M · commercial $280.6M · consumer $9.9M · securities $84.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.26% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 12.2% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.8% | 59.0% | 21th |
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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