| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.5% | -2.0 pts |
| Deposit growth (YoY) | +2.7% | +5.1% | -2.3 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.3 pts |
| ROA | 2.28% | 1.26% | +1.0 pts |
| ROE | 23.6% | 12.2% | +11.4 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.37B | $1.23B | $947.3M | $132.7M | $15.6M | 2.28% | 4.80% | 0.11% |
| Q1 2026 | $1.37B | $1.23B | $930.6M | $131.4M | $7.9M | 2.32% | 4.69% | 0.07% |
| Q4 2025 | $1.35B | $1.21B | $919.5M | $132.7M | $26.1M | 1.96% | 4.54% | 0.44% |
| Q3 2025 | $1.35B | $1.21B | $906.6M | $127.9M | $19.3M | 1.94% | 4.47% | 0.55% |
| Q2 2025 | $1.33B | $1.20B | $891.8M | $120.6M | $11.7M | 1.79% | 4.40% | 0.58% |
| Q1 2025 | $1.31B | $1.17B | $893.7M | $116.6M | $5.6M | 1.72% | 4.29% | 0.63% |
| Q4 2024 | $1.31B | $1.16B | $883.5M | $108.3M | $20.8M | 1.63% | 4.22% | 0.61% |
| Q3 2024 | $1.30B | $1.12B | $884.3M | $113.8M | $16.2M | 1.70% | 4.21% | 0.69% |
Loan mix (Q2 2026): real estate $821.5M · commercial $68.3M · consumer $38.9M · securities $272.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.28% | 1.26% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 23.6% | 12.2% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.9% | 59.0% | 35th |
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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