| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +5.5% | +4.7 pts |
| Deposit growth (YoY) | +1.9% | +5.1% | -3.2 pts |
| Loan growth (YoY) | +27.6% | +5.9% | +21.7 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 17.9% | 12.2% | +5.8 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.08B | $844.4M | $545.1M | $87.0M | $7.4M | 1.42% | 2.78% | 1.19% |
| Q1 2026 | $1.03B | $835.5M | $494.9M | $78.2M | $3.0M | 1.16% | 2.79% | 1.28% |
| Q4 2025 | $1.01B | $848.8M | $464.0M | $82.4M | $9.7M | 1.00% | 2.53% | 1.32% |
| Q3 2025 | $1.01B | $839.4M | $439.9M | $76.0M | $6.6M | 0.91% | 2.38% | 1.32% |
| Q2 2025 | $979.3M | $828.6M | $427.1M | $65.0M | $3.5M | 0.74% | 2.22% | 1.39% |
| Q1 2025 | $930.3M | $800.9M | $406.4M | $65.9M | $809K | 0.35% | 1.83% | 1.44% |
| Q4 2024 | $945.2M | $804.2M | $411.6M | $66.0M | $7.9M | 0.84% | 2.37% | 1.40% |
| Q3 2024 | $948.8M | $789.9M | $406.6M | $71.1M | $5.1M | 0.73% | 2.36% | 1.37% |
Loan mix (Q2 2026): real estate $363.8M · commercial $125.7M · consumer $27.9M · securities $494.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 12.2% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 59.0% | 29th |
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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