| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.5% | +1.6 pts |
| Deposit growth (YoY) | +7.1% | +5.1% | +2.1 pts |
| Loan growth (YoY) | +7.0% | +5.9% | +1.0 pts |
| ROA | 0.85% | 1.26% | -0.4 pts |
| ROE | 9.4% | 12.2% | -2.7 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.68B | $1.40B | $1.26B | $155.7M | $7.2M | 0.85% | 3.48% | 0.82% |
| Q1 2026 | $1.70B | $1.44B | $1.29B | $151.7M | $3.6M | 0.85% | 3.35% | 0.91% |
| Q4 2025 | $1.69B | $1.42B | $1.26B | $149.9M | $14.5M | 0.91% | 3.32% | 0.96% |
| Q3 2025 | $1.66B | $1.40B | $1.21B | $145.8M | $11.0M | 0.93% | 3.32% | 0.76% |
| Q2 2025 | $1.57B | $1.31B | $1.18B | $140.9M | $7.4M | 0.96% | 3.34% | 0.00% |
| Q1 2025 | $1.56B | $1.32B | $1.13B | $137.2M | $3.6M | 0.93% | 3.20% | 0.04% |
| Q4 2024 | $1.50B | $1.26B | $1.10B | $133.7M | $11.8M | 0.80% | 3.12% | 0.06% |
| Q3 2024 | $1.51B | $1.27B | $1.07B | $133.4M | $8.6M | 0.79% | 3.09% | 0.05% |
Loan mix (Q2 2026): real estate $1.06B · commercial $173.1M · consumer $6.5M · securities $225.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.26% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.2% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 59.0% | 78th |
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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