| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +5.5% | +1.7 pts |
| Deposit growth (YoY) | +8.1% | +5.1% | +3.1 pts |
| Loan growth (YoY) | +5.3% | +5.9% | -0.7 pts |
| ROA | 1.59% | 1.26% | +0.3 pts |
| ROE | 15.5% | 12.2% | +3.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.89B | $1.63B | $1.31B | $194.3M | $14.8M | 1.59% | 3.42% | 0.76% |
| Q1 2026 | $1.88B | $1.63B | $1.29B | $191.4M | $6.7M | 1.46% | 3.36% | 0.79% |
| Q4 2025 | $1.79B | $1.50B | $1.28B | $185.0M | $28.3M | 1.60% | 3.48% | 0.81% |
| Q3 2025 | $1.79B | $1.54B | $1.26B | $189.5M | $21.3M | 1.61% | 3.47% | 0.88% |
| Q2 2025 | $1.76B | $1.51B | $1.24B | $182.8M | $13.9M | 1.58% | 3.45% | 0.70% |
| Q1 2025 | $1.80B | $1.58B | $1.20B | $177.2M | $6.4M | 1.46% | 3.26% | 0.48% |
| Q4 2024 | $1.71B | $1.49B | $1.20B | $165.9M | $23.3M | 1.37% | 3.12% | 0.42% |
| Q3 2024 | $1.73B | $1.44B | $1.18B | $175.0M | $17.0M | 1.33% | 3.11% | 0.46% |
Loan mix (Q2 2026): real estate $1.09B · commercial $183.3M · consumer $11.1M · securities $403.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.26% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 12.2% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 59.0% | 68th |
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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