| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +5.5% | -1.9 pts |
| Deposit growth (YoY) | +7.2% | +5.1% | +2.1 pts |
| Loan growth (YoY) | +2.9% | +5.9% | -3.0 pts |
| ROA | 2.45% | 1.26% | +1.2 pts |
| ROE | 24.8% | 12.2% | +12.7 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.10B | $863.6M | $869.4M | $105.6M | $13.3M | 2.45% | 4.45% | 0.53% |
| Q1 2026 | $1.08B | $846.6M | $857.5M | $107.7M | $6.4M | 2.39% | 4.39% | 0.55% |
| Q4 2025 | $1.08B | $794.3M | $855.9M | $108.3M | $25.9M | 2.43% | 4.38% | 0.50% |
| Q3 2025 | $1.06B | $834.7M | $842.3M | $104.8M | $19.4M | 2.43% | 4.35% | 0.35% |
| Q2 2025 | $1.07B | $805.8M | $845.0M | $98.1M | $13.2M | 2.49% | 4.32% | 0.09% |
| Q1 2025 | $1.05B | $829.5M | $834.6M | $102.0M | $6.3M | 2.37% | 4.24% | 0.09% |
| Q4 2024 | $1.06B | $808.1M | $852.4M | $97.8M | $21.1M | 2.05% | 3.82% | 0.13% |
| Q3 2024 | $1.04B | $810.0M | $826.5M | $98.4M | $15.3M | 2.00% | 3.76% | 0.10% |
Loan mix (Q2 2026): real estate $734.7M · commercial $86.2M · consumer $3.1M · securities $178.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.45% | 1.26% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 24.8% | 12.2% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 59.0% | 23th |
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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