| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +5.5% | -1.7 pts |
| Deposit growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Loan growth (YoY) | +4.6% | +5.9% | -1.3 pts |
| ROA | 1.76% | 1.26% | +0.5 pts |
| ROE | 15.6% | 12.2% | +3.4 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.74B | $2.40B | $1.90B | $312.2M | $23.5M | 1.76% | 4.22% | 0.33% |
| Q1 2026 | $2.67B | $2.34B | $1.89B | $301.5M | $12.0M | 1.82% | 4.22% | 0.39% |
| Q4 2025 | $2.60B | $2.29B | $1.86B | $292.2M | $38.2M | 1.49% | 3.94% | 0.42% |
| Q3 2025 | $2.54B | $2.23B | $1.80B | $279.8M | $28.8M | 1.50% | 3.78% | 0.42% |
| Q2 2025 | $2.64B | $2.26B | $1.82B | $264.7M | $17.6M | 1.37% | 3.63% | 0.31% |
| Q1 2025 | $2.56B | $2.15B | $1.76B | $252.1M | $7.9M | 1.24% | 3.50% | 0.32% |
| Q4 2024 | $2.51B | $2.11B | $1.70B | $240.6M | $25.0M | 1.01% | 3.04% | 0.34% |
| Q3 2024 | $2.55B | $2.10B | $1.63B | $237.9M | $16.4M | 0.89% | 2.91% | 0.33% |
Loan mix (Q2 2026): real estate $1.65B · commercial $190.3M · consumer $41.1M · securities $477.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.26% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 12.2% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.8% | 59.0% | 14th |
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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