| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +5.5% | +6.2 pts |
| Deposit growth (YoY) | +11.5% | +5.1% | +6.5 pts |
| Loan growth (YoY) | +13.4% | +5.9% | +7.5 pts |
| ROA | 1.22% | 1.26% | -0.0 pts |
| ROE | 9.9% | 12.2% | -2.3 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.10B | $955.6M | $909.0M | $131.6M | $6.4M | 1.22% | 4.62% | 3.19% |
| Q1 2026 | $1.05B | $902.1M | $866.9M | $128.7M | $3.5M | 1.37% | 4.47% | 3.56% |
| Q4 2025 | $979.7M | $839.7M | $823.5M | $125.3M | $14.6M | 1.53% | 4.71% | 3.33% |
| Q3 2025 | $1.05B | $916.9M | $802.5M | $120.4M | $9.9M | 1.39% | 4.59% | 3.26% |
| Q2 2025 | $987.5M | $856.8M | $801.6M | $116.3M | $6.0M | 1.31% | 4.55% | 3.14% |
| Q1 2025 | $901.5M | $755.3M | $753.4M | $114.3M | $3.2M | 1.46% | 4.45% | 2.26% |
| Q4 2024 | $852.8M | $716.5M | $707.2M | $113.6M | $9.6M | 1.24% | 4.54% | 1.87% |
| Q3 2024 | $838.8M | $691.0M | $650.3M | $115.3M | $8.2M | 1.44% | 4.52% | 1.73% |
Loan mix (Q2 2026): real estate $481.5M · commercial $371.1M · consumer $1.1M · securities $43.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.26% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 12.2% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 59.0% | 77th |
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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