| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.5% | +1.8 pts |
| Deposit growth (YoY) | +10.3% | +5.1% | +5.3 pts |
| Loan growth (YoY) | +9.6% | +5.9% | +3.7 pts |
| ROA | 1.15% | 1.26% | -0.1 pts |
| ROE | 12.5% | 12.2% | +0.3 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.12B | $1.77B | $1.56B | $197.4M | $12.1M | 1.15% | 3.56% | 0.31% |
| Q1 2026 | $2.11B | $1.76B | $1.53B | $192.0M | $5.7M | 1.08% | 3.52% | 0.31% |
| Q4 2025 | $2.09B | $1.70B | $1.51B | $193.4M | $20.5M | 1.03% | 3.31% | 0.33% |
| Q3 2025 | $1.99B | $1.58B | $1.45B | $187.2M | $14.0M | 0.95% | 3.25% | 0.53% |
| Q2 2025 | $1.98B | $1.60B | $1.43B | $179.9M | $8.5M | 0.87% | 3.19% | 0.28% |
| Q1 2025 | $1.97B | $1.59B | $1.42B | $176.4M | $3.9M | 0.79% | 3.14% | 0.17% |
| Q4 2024 | $1.96B | $1.64B | $1.40B | $170.0M | $12.9M | 0.66% | 2.75% | 0.20% |
| Q3 2024 | $1.94B | $1.55B | $1.33B | $178.3M | $9.5M | 0.65% | 2.67% | 0.07% |
Loan mix (Q2 2026): real estate $899.3M · commercial $298.0M · consumer $28.1M · securities $377.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.26% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.2% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 59.0% | 63th |
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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