| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.7% | +5.5% | +15.2 pts |
| Deposit growth (YoY) | +20.7% | +5.1% | +15.6 pts |
| Loan growth (YoY) | +14.1% | +5.9% | +8.2 pts |
| ROA | 1.43% | 1.26% | +0.2 pts |
| ROE | 13.6% | 12.2% | +1.4 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.81B | $2.38B | $2.08B | $285.3M | $19.0M | 1.43% | 3.15% | 0.14% |
| Q1 2026 | $2.69B | $2.26B | $1.99B | $276.9M | $9.8M | 1.51% | 3.17% | 0.09% |
| Q4 2025 | $2.50B | $2.08B | $1.86B | $279.6M | $33.9M | 1.47% | 3.39% | 0.11% |
| Q3 2025 | $2.39B | $2.02B | $1.83B | $270.6M | $25.2M | 1.49% | 3.41% | 0.10% |
| Q2 2025 | $2.33B | $1.97B | $1.82B | $259.5M | $16.0M | 1.45% | 3.41% | 0.11% |
| Q1 2025 | $2.15B | $1.78B | $1.66B | $255.7M | $7.3M | 1.36% | 3.34% | 0.18% |
| Q4 2024 | $2.16B | $1.78B | $1.66B | $246.7M | $29.6M | 1.43% | 3.60% | 0.27% |
| Q3 2024 | $2.13B | $1.79B | $1.65B | $248.9M | $22.6M | 1.47% | 3.64% | 0.15% |
Loan mix (Q2 2026): real estate $716.0M · commercial $790.0M · consumer $409.6M · securities $479.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.26% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 12.2% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.2% | 59.0% | 5th |
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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