| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +5.5% | -0.7 pts |
| Deposit growth (YoY) | +2.2% | +5.1% | -2.9 pts |
| Loan growth (YoY) | +7.7% | +5.9% | +1.8 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 15.6% | 12.2% | +3.4 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.18B | $2.73B | $1.73B | $293.0M | $22.5M | 1.42% | 2.78% | 0.12% |
| Q1 2026 | $3.18B | $2.78B | $1.73B | $291.6M | $10.8M | 1.37% | 2.72% | 0.10% |
| Q4 2025 | $3.15B | $2.65B | $1.67B | $280.3M | $38.6M | 1.27% | 2.46% | 0.10% |
| Q3 2025 | $3.06B | $2.75B | $1.65B | $269.1M | $28.0M | 1.24% | 2.42% | 0.12% |
| Q2 2025 | $3.04B | $2.67B | $1.61B | $258.3M | $18.5M | 1.23% | 2.37% | 0.10% |
| Q1 2025 | $3.01B | $2.67B | $1.60B | $262.3M | $8.6M | 1.15% | 2.35% | 0.10% |
| Q4 2024 | $2.97B | $2.49B | $1.53B | $250.4M | $28.6M | 1.00% | 2.01% | 0.14% |
| Q3 2024 | $2.88B | $2.51B | $1.48B | $246.2M | $20.5M | 0.97% | 1.98% | 0.13% |
Loan mix (Q2 2026): real estate $1.61B · commercial $84.2M · consumer $3.8M · securities $1.18B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 12.2% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.8% | 59.0% | 16th |
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% |
The full ratio pack is part of CharterBench Pro.