| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.2% | +5.5% | +8.7 pts |
| Deposit growth (YoY) | +16.4% | +5.1% | +11.4 pts |
| Loan growth (YoY) | +18.0% | +5.9% | +12.1 pts |
| ROA | 1.46% | 1.26% | +0.2 pts |
| ROE | 16.1% | 12.2% | +4.0 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.18B | $1.07B | $713.5M | $107.3M | $8.2M | 1.46% | 3.85% | 0.20% |
| Q1 2026 | $1.10B | $990.8M | $664.2M | $103.7M | $4.5M | 1.65% | 3.77% | 0.17% |
| Q4 2025 | $1.10B | $999.1M | $645.6M | $95.3M | $15.8M | 1.52% | 3.72% | 0.18% |
| Q3 2025 | $1.04B | $925.2M | $637.6M | $93.0M | $12.7M | 1.66% | 3.70% | 0.21% |
| Q2 2025 | $1.03B | $917.2M | $604.6M | $81.9M | $7.0M | 1.38% | 3.64% | 0.25% |
| Q1 2025 | $1.02B | $934.1M | $560.5M | $77.8M | $3.4M | 1.36% | 3.56% | 0.13% |
| Q4 2024 | $990.4M | $915.7M | $554.2M | $69.4M | $9.5M | 0.98% | 3.15% | 0.13% |
| Q3 2024 | $995.0M | $908.3M | $542.1M | $80.0M | $6.7M | 0.92% | 3.06% | 0.12% |
Loan mix (Q2 2026): real estate $607.6M · commercial $39.2M · consumer $14.0M · securities $303.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.26% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 12.2% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 59.0% | 60th |
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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