| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +5.5% | -1.1 pts |
| Deposit growth (YoY) | +9.1% | +5.1% | +4.1 pts |
| Loan growth (YoY) | +4.8% | +5.9% | -1.1 pts |
| ROA | 1.27% | 1.26% | +0.0 pts |
| ROE | 14.7% | 12.2% | +2.5 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.41B | $4.56B | $4.05B | $479.5M | $34.4M | 1.27% | 3.53% | 0.63% |
| Q1 2026 | $5.46B | $4.52B | $3.94B | $463.8M | $18.0M | 1.34% | 3.50% | 0.65% |
| Q4 2025 | $5.32B | $4.38B | $3.89B | $458.0M | $59.9M | 1.15% | 3.33% | 0.70% |
| Q3 2025 | $5.26B | $4.24B | $3.85B | $441.5M | $45.4M | 1.17% | 3.28% | 0.81% |
| Q2 2025 | $5.18B | $4.17B | $3.86B | $431.7M | $28.4M | 1.11% | 3.22% | 0.77% |
| Q1 2025 | $5.15B | $4.16B | $3.76B | $414.9M | $14.3M | 1.13% | 3.17% | 0.76% |
| Q4 2024 | $5.05B | $4.01B | $3.77B | $408.8M | $46.7M | 0.94% | 2.95% | 0.82% |
| Q3 2024 | $4.95B | $3.72B | $3.72B | $398.1M | $33.5M | 0.91% | 2.88% | 0.80% |
Loan mix (Q2 2026): real estate $2.86B · commercial $445.6M · consumer $782.0M · securities $999.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.26% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 12.2% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 59.0% | 51th |
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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