| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +5.5% | -0.8 pts |
| Deposit growth (YoY) | +4.1% | +5.1% | -1.0 pts |
| Loan growth (YoY) | +9.8% | +5.9% | +3.8 pts |
| ROA | 1.46% | 1.26% | +0.2 pts |
| ROE | 14.6% | 12.2% | +2.5 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.30B | $1.13B | $856.0M | $130.9M | $9.4M | 1.46% | 3.88% | 0.56% |
| Q1 2026 | $1.27B | $1.10B | $840.3M | $127.8M | $4.6M | 1.43% | 3.82% | 0.08% |
| Q4 2025 | $1.29B | $1.13B | $817.5M | $125.1M | $13.7M | 1.11% | 3.66% | 0.05% |
| Q3 2025 | $1.25B | $1.10B | $801.7M | $124.0M | $11.8M | 1.28% | 3.61% | 0.06% |
| Q2 2025 | $1.24B | $1.09B | $779.8M | $120.6M | $7.6M | 1.24% | 3.53% | 0.11% |
| Q1 2025 | $1.22B | $1.07B | $753.3M | $117.5M | $3.8M | 1.25% | 3.44% | 0.13% |
| Q4 2024 | $1.19B | $1.05B | $730.3M | $114.0M | $10.3M | 0.87% | 3.34% | 0.14% |
| Q3 2024 | $1.21B | $1.07B | $712.9M | $114.1M | $7.9M | 0.90% | 3.30% | 0.28% |
Loan mix (Q2 2026): real estate $713.7M · commercial $136.4M · consumer $14.2M · securities $295.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.26% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.2% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 59.0% | 32th |
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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