| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.5% | +1.8 pts |
| Deposit growth (YoY) | +7.8% | +5.1% | +2.8 pts |
| Loan growth (YoY) | +8.4% | +5.9% | +2.5 pts |
| ROA | 1.40% | 1.26% | +0.1 pts |
| ROE | 17.1% | 12.2% | +5.0 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.30B | $4.83B | $3.57B | $433.7M | $36.8M | 1.40% | 3.70% | 0.09% |
| Q1 2026 | $5.25B | $4.77B | $3.44B | $431.7M | $11.7M | 0.89% | 3.67% | 0.08% |
| Q4 2025 | $5.20B | $4.69B | $3.39B | $424.4M | $59.9M | 1.19% | 3.33% | 0.08% |
| Q3 2025 | $5.16B | $4.66B | $3.33B | $419.4M | $32.6M | 0.87% | 3.24% | 0.10% |
| Q2 2025 | $4.94B | $4.48B | $3.29B | $391.9M | $23.5M | 0.95% | 3.17% | 0.10% |
| Q1 2025 | $4.91B | $4.47B | $3.20B | $364.8M | $5.8M | 0.47% | 3.04% | 0.11% |
| Q4 2024 | $5.01B | $4.46B | $3.23B | $338.4M | $63.4M | 1.30% | 2.74% | 0.12% |
| Q3 2024 | $4.97B | $4.38B | $3.17B | $359.7M | $41.0M | 1.13% | 2.69% | 0.13% |
Loan mix (Q2 2026): real estate $3.22B · commercial $259.2M · consumer $28.1M · securities $1.31B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.26% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 12.2% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 59.0% | 30th |
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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