| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +5.5% | +0.9 pts |
| Deposit growth (YoY) | +11.2% | +5.1% | +6.1 pts |
| Loan growth (YoY) | +5.8% | +5.9% | -0.2 pts |
| ROA | 1.07% | 1.26% | -0.2 pts |
| ROE | 9.6% | 12.2% | -2.6 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.02B | $1.72B | $1.41B | $225.4M | $10.6M | 1.07% | 4.01% | 0.29% |
| Q1 2026 | $1.99B | $1.71B | $1.38B | $221.2M | $5.2M | 1.05% | 3.96% | 0.39% |
| Q4 2025 | $1.95B | $1.62B | $1.36B | $218.1M | $19.3M | 1.02% | 3.79% | 0.33% |
| Q3 2025 | $1.95B | $1.63B | $1.36B | $213.2M | $14.4M | 1.02% | 3.74% | 0.18% |
| Q2 2025 | $1.90B | $1.55B | $1.34B | $205.6M | $9.4M | 1.01% | 3.69% | 0.21% |
| Q1 2025 | $1.85B | $1.56B | $1.30B | $202.2M | $4.3M | 0.93% | 3.64% | 0.23% |
| Q4 2024 | $1.81B | $1.51B | $1.27B | $197.8M | $14.1M | 0.77% | 3.27% | 0.28% |
| Q3 2024 | $1.84B | $1.49B | $1.27B | $201.9M | $10.5M | 0.76% | 3.15% | 0.29% |
Loan mix (Q2 2026): real estate $1.01B · commercial $170.4M · consumer $50.9M · securities $375.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.26% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 12.2% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 59.0% | 65th |
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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