| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +42.0% | +5.5% | +36.5 pts |
| Deposit growth (YoY) | +45.0% | +5.1% | +39.9 pts |
| Loan growth (YoY) | +46.3% | +5.9% | +40.4 pts |
| ROA | 1.96% | 1.26% | +0.7 pts |
| ROE | 27.7% | 12.2% | +15.5 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.42B | $4.96B | $4.99B | $393.3M | $52.1M | 1.96% | 2.95% | 0.45% |
| Q1 2026 | $5.64B | $5.22B | $4.84B | $375.9M | $26.3M | 2.01% | 3.04% | 0.52% |
| Q4 2025 | $4.86B | $4.46B | $4.12B | $357.7M | $87.5M | 2.10% | 3.33% | 0.65% |
| Q3 2025 | $3.84B | $3.46B | $3.43B | $342.5M | $64.5M | 2.16% | 3.34% | 0.54% |
| Q2 2025 | $3.82B | $3.42B | $3.41B | $328.8M | $42.9M | 2.12% | 3.27% | 0.66% |
| Q1 2025 | $4.36B | $4.00B | $3.58B | $315.2M | $22.3M | 2.15% | 3.24% | 0.57% |
| Q4 2024 | $3.93B | $3.60B | $3.32B | $298.1M | $78.9M | 1.98% | 3.01% | 0.52% |
| Q3 2024 | $3.74B | $3.43B | $3.15B | $283.8M | $58.5M | 1.95% | 2.97% | 0.57% |
Loan mix (Q2 2026): real estate $1.66B · commercial $269.6M · consumer $2.95B · securities $62.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 1.26% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 27.7% | 12.2% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.7% | 59.0% | 11th |
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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