| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +5.5% | +5.6 pts |
| Deposit growth (YoY) | +14.1% | +5.1% | +9.0 pts |
| Loan growth (YoY) | +11.9% | +5.9% | +6.0 pts |
| ROA | 1.41% | 1.26% | +0.1 pts |
| ROE | 15.4% | 12.2% | +3.2 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.26B | $1.97B | $1.77B | $203.9M | $15.3M | 1.41% | 3.81% | 0.26% |
| Q1 2026 | $2.17B | $1.88B | $1.72B | $198.3M | $7.3M | 1.36% | 3.81% | 0.34% |
| Q4 2025 | $2.09B | $1.79B | $1.65B | $194.4M | $25.3M | 1.25% | 3.70% | 0.40% |
| Q3 2025 | $2.04B | $1.81B | $1.63B | $189.0M | $18.8M | 1.25% | 3.63% | 0.28% |
| Q2 2025 | $2.03B | $1.73B | $1.58B | $181.6M | $12.0M | 1.21% | 3.51% | 0.29% |
| Q1 2025 | $1.97B | $1.75B | $1.52B | $176.0M | $5.8M | 1.16% | 3.39% | 0.28% |
| Q4 2024 | $1.99B | $1.74B | $1.52B | $170.0M | $22.1M | 1.17% | 3.41% | 0.26% |
| Q3 2024 | $1.91B | $1.66B | $1.50B | $171.2M | $15.9M | 1.14% | 3.38% | 0.27% |
Loan mix (Q2 2026): real estate $1.58B · commercial $158.1M · consumer $21.7M · securities $255.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.26% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 12.2% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 59.0% | 33th |
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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