| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +5.5% | -4.6 pts |
| Deposit growth (YoY) | +2.2% | +5.1% | -2.9 pts |
| Loan growth (YoY) | -0.2% | +5.9% | -6.1 pts |
| ROA | 2.04% | 1.26% | +0.8 pts |
| ROE | 16.5% | 12.2% | +4.3 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.31B | $2.01B | $1.56B | $283.3M | $23.4M | 2.04% | 4.52% | 0.31% |
| Q1 2026 | $2.30B | $1.99B | $1.57B | $284.7M | $11.5M | 2.01% | 4.51% | 0.19% |
| Q4 2025 | $2.27B | $1.97B | $1.57B | $282.1M | $41.9M | 1.86% | 4.39% | 0.19% |
| Q3 2025 | $2.26B | $1.93B | $1.54B | $300.9M | $31.2M | 1.85% | 4.38% | 0.18% |
| Q2 2025 | $2.29B | $1.97B | $1.56B | $288.7M | $21.0M | 1.88% | 4.31% | 0.15% |
| Q1 2025 | $2.23B | $1.91B | $1.52B | $289.2M | $10.6M | 1.92% | 4.23% | 0.18% |
| Q4 2024 | $2.19B | $1.88B | $1.50B | $277.1M | $36.1M | 1.67% | 4.15% | 0.17% |
| Q3 2024 | $2.15B | $1.85B | $1.50B | $274.1M | $27.8M | 1.72% | 4.11% | 0.17% |
Loan mix (Q2 2026): real estate $1.36B · commercial $170.8M · consumer $19.6M · securities $466.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.04% | 1.26% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 12.2% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 59.0% | 18th |
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% |
The full ratio pack is part of CharterBench Pro.