| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +5.5% | +2.0 pts |
| Deposit growth (YoY) | +6.7% | +5.1% | +1.6 pts |
| Loan growth (YoY) | +14.2% | +5.9% | +8.3 pts |
| ROA | 1.01% | 1.26% | -0.2 pts |
| ROE | 11.2% | 12.2% | -1.0 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.39B | $2.02B | $1.66B | $225.5M | $11.9M | 1.01% | 3.76% | 0.41% |
| Q1 2026 | $2.42B | $2.07B | $1.63B | $216.8M | $5.3M | 0.91% | 3.63% | 0.57% |
| Q4 2025 | $2.26B | $1.91B | $1.50B | $198.6M | $24.0M | 1.08% | 3.35% | 0.42% |
| Q3 2025 | $2.22B | $1.89B | $1.47B | $188.7M | $17.7M | 1.06% | 3.31% | 0.44% |
| Q2 2025 | $2.22B | $1.90B | $1.45B | $175.6M | $11.0M | 0.99% | 3.25% | 0.51% |
| Q1 2025 | $2.22B | $1.89B | $1.43B | $171.3M | $4.8M | 0.86% | 3.17% | 0.48% |
| Q4 2024 | $2.22B | $1.89B | $1.42B | $166.7M | $16.9M | 0.82% | 3.01% | 0.54% |
| Q3 2024 | $2.09B | $1.82B | $1.40B | $170.8M | $12.9M | 0.85% | 3.00% | 0.47% |
Loan mix (Q2 2026): real estate $1.39B · commercial $127.0M · consumer $75.7M · securities $567.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.26% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.2% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 59.0% | 81th |
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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