| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +5.9% | +5.1 pts |
| Deposit growth (YoY) | +12.9% | +5.7% | +7.2 pts |
| Loan growth (YoY) | +10.3% | +6.9% | +3.4 pts |
| ROA | 0.97% | 1.23% | -0.3 pts |
| ROE | 13.0% | 11.2% | +1.7 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 | $412.62B | $326.25B | $52.21B | $29.17B | $1.88B | 0.97% | 1.24% | 0.07% |
| Q1 2026 | $386.55B | $299.56B | $49.20B | $28.71B | $760.0M | 0.81% | 1.24% | 0.06% |
| Q4 2025 | $360.68B | $280.58B | $46.77B | $28.92B | $3.02B | 0.83% | 1.11% | 0.07% |
| Q3 2025 | $366.08B | $286.03B | $46.64B | $28.90B | $2.28B | 0.84% | 1.08% | 0.06% |
| Q2 2025 | $371.78B | $289.08B | $47.31B | $29.14B | $1.43B | 0.79% | 1.07% | 0.05% |
| Q1 2025 | $368.22B | $277.92B | $44.68B | $28.02B | $732.0M | 0.82% | 1.04% | 0.06% |
| Q4 2024 | $348.99B | $266.94B | $43.20B | $27.50B | $2.77B | 0.85% | 1.18% | 0.05% |
| Q3 2024 | $334.34B | $254.43B | $41.97B | $27.32B | $1.97B | 0.82% | 1.19% | 0.06% |
Loan mix (Q2 2026): real estate $2.29B · commercial $1.32B · consumer $0 · securities $107.25B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.23% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.3% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.24% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 54.9% | 86th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 3 counties across 3 states (+0 vs 2025) · $242.09B branch deposits. Biggest market: Suffolk, MA, ranked 1st with 63.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Suffolk, MA | 1 | $242.09B | 62.95% | 1st |
| Jackson, MO | 1 | $0 | 0.00% | 63rd |
| Hudson, NJ | 1 | $0 | 0.00% | 46th |
Massachusetts: 1st with 35.14% · New Jersey: 240th with 0.00% · Missouri: 363rd with 0.00% · Boston-Cambridge-Newton metro: 1st, 39.63% · New York-Newark-Jersey City metro: 344th, 0.00% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3