| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +5.5% | +2.3 pts |
| Deposit growth (YoY) | +8.2% | +5.1% | +3.2 pts |
| Loan growth (YoY) | +7.2% | +5.9% | +1.2 pts |
| ROA | 0.98% | 1.26% | -0.3 pts |
| ROE | 10.8% | 12.2% | -1.4 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.14B | $987.7M | $923.5M | $103.7M | $5.5M | 0.98% | 4.03% | 0.93% |
| Q1 2026 | $1.12B | $969.9M | $908.7M | $102.0M | $2.6M | 0.95% | 3.96% | 0.83% |
| Q4 2025 | $1.10B | $947.1M | $888.2M | $100.6M | $10.6M | 1.01% | 4.02% | 0.62% |
| Q3 2025 | $1.08B | $928.5M | $874.4M | $99.4M | $8.0M | 1.03% | 3.99% | 0.73% |
| Q2 2025 | $1.06B | $912.5M | $861.7M | $96.1M | $5.6M | 1.09% | 3.95% | 0.95% |
| Q1 2025 | $1.02B | $878.9M | $826.2M | $94.4M | $2.6M | 1.03% | 3.89% | 0.72% |
| Q4 2024 | $991.1M | $851.8M | $808.4M | $91.2M | $10.4M | 1.09% | 3.90% | 0.94% |
| Q3 2024 | $984.8M | $827.8M | $793.0M | $91.5M | $7.6M | 1.09% | 3.85% | 0.93% |
Loan mix (Q2 2026): real estate $809.2M · commercial $61.6M · consumer $44.2M · securities $90.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.26% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.2% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 59.0% | 70th |
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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