| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +5.9% | +6.7 pts |
| Deposit growth (YoY) | +13.1% | +5.7% | +7.4 pts |
| Loan growth (YoY) | +15.1% | +6.9% | +8.1 pts |
| ROA | 1.64% | 1.23% | +0.4 pts |
| ROE | 14.1% | 11.2% | +2.9 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 | $10.36B | $8.49B | $7.78B | $1.24B | $80.4M | 1.64% | 3.75% | 0.24% |
| Q1 2026 | $9.46B | $7.76B | $7.14B | $1.10B | $37.9M | 1.60% | 3.64% | 0.12% |
| Q4 2025 | $9.53B | $7.79B | $6.96B | $1.07B | $144.4M | 1.57% | 3.63% | 0.14% |
| Q3 2025 | $9.30B | $7.65B | $6.84B | $1.04B | $106.7M | 1.57% | 3.60% | 0.20% |
| Q2 2025 | $9.20B | $7.51B | $6.76B | $1.01B | $69.3M | 1.54% | 3.55% | 0.20% |
| Q1 2025 | $8.99B | $7.30B | $6.57B | $976.4M | $34.1M | 1.53% | 3.52% | 0.18% |
| Q4 2024 | $8.86B | $7.17B | $6.44B | $941.0M | $117.7M | 1.40% | 3.44% | 0.25% |
| Q3 2024 | $8.44B | $6.73B | $6.20B | $937.6M | $85.8M | 1.39% | 3.40% | 0.20% |
Loan mix (Q2 2026): real estate $6.01B · commercial $1.63B · consumer $117.9M · securities $852.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.23% | — | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 11.3% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.55% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% |
Peer lists, growth filters, CSV export, CRM push.
| 54.9% |
| — |
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% |
The full ratio pack is part of CharterBench Pro.