| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +38.7% | +5.5% | +33.2 pts |
| Deposit growth (YoY) | +32.5% | +5.1% | +27.4 pts |
| Loan growth (YoY) | +44.7% | +5.9% | +38.7 pts |
| ROA | 1.29% | 1.26% | +0.0 pts |
| ROE | 11.6% | 12.2% | -0.5 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.16B | $5.87B | $4.73B | $820.3M | $42.1M | 1.29% | 3.50% | 0.62% |
| Q1 2026 | $7.22B | $5.94B | $4.75B | $823.2M | $19.1M | 1.23% | 3.16% | 0.83% |
| Q4 2025 | $5.23B | $4.37B | $3.27B | $527.9M | $55.2M | 1.07% | 3.18% | 0.50% |
| Q3 2025 | $5.22B | $4.44B | $3.30B | $501.5M | $40.2M | 1.04% | 3.15% | 0.68% |
| Q2 2025 | $5.16B | $4.43B | $3.27B | $477.0M | $27.9M | 1.09% | 3.12% | 0.54% |
| Q1 2025 | $5.14B | $4.52B | $3.22B | $461.9M | $13.8M | 1.07% | 3.09% | 0.40% |
| Q4 2024 | $5.11B | $4.32B | $3.24B | $432.3M | $46.8M | 0.91% | 2.90% | 0.45% |
| Q3 2024 | $5.22B | $4.42B | $3.25B | $459.5M | $32.5M | 0.85% | 2.88% | 0.37% |
Loan mix (Q2 2026): real estate $3.84B · commercial $540.6M · consumer $284.7M · securities $1.47B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.26% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.2% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 59.0% | 40th |
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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