| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +5.5% | -1.7 pts |
| Deposit growth (YoY) | +4.0% | +5.1% | -1.0 pts |
| Loan growth (YoY) | -0.2% | +5.9% | -6.1 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 13.9% | 12.2% | +1.8 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.21B | $1.04B | $873.0M | $128.5M | $8.7M | 1.42% | 3.63% | 0.27% |
| Q1 2026 | $1.23B | $1.03B | $888.8M | $124.2M | $4.3M | 1.38% | 3.54% | 0.28% |
| Q4 2025 | $1.25B | $1.06B | $891.9M | $123.4M | $15.9M | 1.33% | 3.35% | 0.28% |
| Q3 2025 | $1.18B | $990.4M | $863.9M | $119.6M | $10.8M | 1.22% | 3.33% | 0.31% |
| Q2 2025 | $1.16B | $999.2M | $874.9M | $113.8M | $7.0M | 1.18% | 3.24% | 0.33% |
| Q1 2025 | $1.19B | $1.02B | $886.7M | $110.1M | $3.6M | 1.21% | 3.17% | 0.06% |
| Q4 2024 | $1.20B | $1.03B | $891.0M | $106.3M | $10.5M | 0.92% | 2.97% | 0.07% |
| Q3 2024 | $1.15B | $987.6M | $889.0M | $109.3M | $7.9M | 0.93% | 2.93% | 0.02% |
Loan mix (Q2 2026): real estate $703.5M · commercial $115.4M · consumer $11.8M · securities $178.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.2% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 59.0% | 54th |
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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