| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +5.5% | -1.2 pts |
| Deposit growth (YoY) | -3.7% | +5.1% | -8.7 pts |
| Loan growth (YoY) | +7.0% | +5.9% | +1.0 pts |
| ROA | 2.94% | 1.26% | +1.7 pts |
| ROE | 31.8% | 12.2% | +19.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.21B | $7.49B | $7.12B | $881.9M | $139.3M | 2.94% | 5.49% | 1.71% |
| Q1 2026 | $9.90B | $8.44B | $7.82B | $872.7M | $69.1M | 2.87% | 5.33% | 1.60% |
| Q4 2025 | $9.35B | $8.18B | $7.19B | $870.0M | $252.2M | 2.81% | 6.00% | 1.66% |
| Q3 2025 | $8.58B | $7.43B | $6.75B | $873.8M | $193.0M | 2.90% | 6.11% | 2.01% |
| Q2 2025 | $8.83B | $7.77B | $6.66B | $942.7M | $130.1M | 2.90% | 6.04% | 1.69% |
| Q1 2025 | $9.39B | $8.37B | $6.54B | $911.6M | $63.4M | 2.80% | 5.77% | 1.27% |
| Q4 2024 | $8.71B | $7.76B | $6.29B | $871.4M | $234.7M | 2.90% | 6.33% | 1.35% |
| Q3 2024 | $8.08B | $6.93B | $6.13B | $902.3M | $177.7M | 2.98% | 6.45% | 1.31% |
Loan mix (Q2 2026): real estate $3.15B · commercial $783.1M · consumer $2.58B · securities $1.61B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.94% | 1.26% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 31.8% | 12.2% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.49% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.3% | 59.0% | 9th |
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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