| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +5.5% | +4.7 pts |
| Deposit growth (YoY) | +16.6% | +5.1% | +11.6 pts |
| Loan growth (YoY) | +8.4% | +5.9% | +2.5 pts |
| ROA | 0.88% | 1.26% | -0.4 pts |
| ROE | 8.4% | 12.2% | -3.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.01B | $890.4M | $879.9M | $106.1M | $4.3M | 0.88% | 3.71% | 0.33% |
| Q1 2026 | $957.0M | $837.2M | $857.2M | $103.9M | $2.0M | 0.83% | 3.67% | 0.00% |
| Q4 2025 | $988.6M | $870.2M | $840.0M | $101.4M | $7.5M | 0.82% | 3.62% | 0.01% |
| Q3 2025 | $910.5M | $787.6M | $804.4M | $101.7M | $5.4M | 0.80% | 3.62% | 0.01% |
| Q2 2025 | $916.6M | $763.4M | $811.4M | $99.3M | $3.6M | 0.80% | 3.55% | 0.00% |
| Q1 2025 | $889.3M | $772.7M | $791.2M | $97.3M | $1.6M | 0.72% | 3.44% | 0.03% |
| Q4 2024 | $909.0M | $795.9M | $797.8M | $95.3M | $5.8M | 0.67% | 3.34% | 0.00% |
| Q3 2024 | $850.4M | $737.5M | $758.1M | $95.9M | $3.9M | 0.60% | 3.24% | 0.00% |
Loan mix (Q2 2026): real estate $706.0M · commercial $169.7M · consumer $9.6M · securities $8.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.26% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.2% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 59.0% | 79th |
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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