| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +5.5% | +1.2 pts |
| Deposit growth (YoY) | +6.8% | +5.1% | +1.8 pts |
| Loan growth (YoY) | +6.0% | +5.9% | +0.1 pts |
| ROA | 1.83% | 1.26% | +0.6 pts |
| ROE | 18.6% | 12.2% | +6.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.28B | $3.82B | $3.59B | $422.6M | $38.6M | 1.83% | 4.16% | 0.24% |
| Q1 2026 | $4.15B | $3.69B | $3.52B | $414.7M | $17.8M | 1.70% | 4.10% | 0.26% |
| Q4 2025 | $4.21B | $3.76B | $3.41B | $406.0M | $65.1M | 1.62% | 3.99% | 0.31% |
| Q3 2025 | $4.11B | $3.66B | $3.42B | $394.8M | $47.6M | 1.60% | 3.95% | 0.33% |
| Q2 2025 | $4.01B | $3.57B | $3.38B | $384.1M | $30.9M | 1.57% | 3.89% | 0.48% |
| Q1 2025 | $3.93B | $3.49B | $3.26B | $374.2M | $15.2M | 1.57% | 3.87% | 0.32% |
| Q4 2024 | $3.82B | $3.40B | $3.20B | $363.3M | $56.4M | 1.58% | 3.73% | 0.28% |
| Q3 2024 | $3.67B | $3.26B | $3.13B | $354.8M | $40.3M | 1.54% | 3.68% | 0.29% |
Loan mix (Q2 2026): real estate $2.91B · commercial $209.2M · consumer $135.2M · securities $61.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.26% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 12.2% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.0% | 59.0% | 8th |
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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