| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +5.5% | +4.1 pts |
| Deposit growth (YoY) | +8.3% | +5.1% | +3.3 pts |
| Loan growth (YoY) | +7.2% | +5.9% | +1.2 pts |
| ROA | 1.09% | 1.26% | -0.2 pts |
| ROE | 12.9% | 12.2% | +0.7 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.08B | $949.6M | $799.0M | $91.2M | $5.7M | 1.09% | 4.13% | 2.54% |
| Q1 2026 | $1.05B | $947.2M | $788.9M | $87.9M | $2.5M | 0.99% | 4.07% | 2.55% |
| Q4 2025 | $1.01B | $916.1M | $775.3M | $85.5M | $10.2M | 1.02% | 4.21% | 1.92% |
| Q3 2025 | $994.4M | $903.9M | $748.1M | $82.9M | $8.0M | 1.08% | 4.19% | 1.11% |
| Q2 2025 | $981.7M | $876.8M | $745.6M | $89.6M | $5.0M | 1.02% | 4.08% | 1.26% |
| Q1 2025 | $987.7M | $895.2M | $745.0M | $86.7M | $2.5M | 1.02% | 3.97% | 1.27% |
| Q4 2024 | $977.7M | $868.1M | $735.2M | $84.2M | $8.5M | 0.92% | 3.91% | 1.05% |
| Q3 2024 | $948.0M | $853.6M | $706.6M | $83.8M | $5.2M | 0.76% | 3.85% | 1.12% |
Loan mix (Q2 2026): real estate $694.2M · commercial $92.3M · consumer $16.3M · securities $66.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.26% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 12.2% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 59.0% | 64th |
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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