| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.7% | +5.5% | -13.2 pts |
| Deposit growth (YoY) | -15.6% | +5.1% | -20.7 pts |
| Loan growth (YoY) | -9.1% | +5.9% | -15.0 pts |
| ROA | 2.09% | 1.26% | +0.8 pts |
| ROE | 12.8% | 12.2% | +0.6 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.27B | $2.39B | $2.74B | $534.6M | $34.6M | 2.09% | 6.04% | 3.43% |
| Q1 2026 | $3.30B | $2.52B | $2.76B | $529.6M | $17.4M | 2.10% | 5.97% | 3.30% |
| Q4 2025 | $3.34B | $2.58B | $2.84B | $559.3M | $61.2M | 1.85% | 6.55% | 2.83% |
| Q3 2025 | $3.35B | $2.52B | $2.83B | $536.4M | $39.7M | 1.60% | 6.45% | 2.97% |
| Q2 2025 | $3.55B | $2.83B | $3.01B | $517.4M | $11.2M | 0.68% | 6.43% | 2.57% |
| Q1 2025 | $3.16B | $2.50B | $2.79B | $515.5M | $-3.2M | -0.41% | 6.30% | 3.06% |
| Q4 2024 | $3.14B | $2.53B | $2.64B | $536.5M | $49.5M | 1.56% | 5.94% | 2.67% |
| Q3 2024 | $3.27B | $2.50B | $2.65B | $518.8M | $30.6M | 1.28% | 5.79% | 2.21% |
Loan mix (Q2 2026): real estate $1.27B · commercial $1.42B · consumer $1.5M · securities $115.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 1.26% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 12.2% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.04% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 59.0% | 31th |
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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