| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +5.5% | +3.6 pts |
| Deposit growth (YoY) | +8.0% | +5.1% | +3.0 pts |
| Loan growth (YoY) | +9.8% | +5.9% | +3.9 pts |
| ROA | 1.50% | 1.26% | +0.2 pts |
| ROE | 11.4% | 12.2% | -0.7 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.17B | $993.3M | $906.7M | $153.7M | $8.6M | 1.50% | 4.51% | 0.25% |
| Q1 2026 | $1.15B | $985.6M | $890.7M | $149.8M | $4.1M | 1.46% | 4.50% | 0.30% |
| Q4 2025 | $1.13B | $961.0M | $874.0M | $148.5M | $16.6M | 1.53% | 4.31% | 0.23% |
| Q3 2025 | $1.12B | $959.8M | $856.3M | $143.5M | $11.4M | 1.42% | 4.25% | 0.22% |
| Q2 2025 | $1.07B | $919.4M | $825.6M | $136.1M | $7.0M | 1.32% | 4.13% | 0.27% |
| Q1 2025 | $1.07B | $917.8M | $789.0M | $135.1M | $3.3M | 1.25% | 3.97% | 0.23% |
| Q4 2024 | $1.04B | $894.2M | $770.1M | $132.4M | $13.1M | 1.31% | 3.86% | 0.17% |
| Q3 2024 | $1.05B | $898.0M | $745.1M | $133.1M | $9.5M | 1.28% | 3.81% | 0.15% |
Loan mix (Q2 2026): real estate $771.8M · commercial $110.8M · consumer $27.1M · securities $170.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.26% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.2% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 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% |
The full ratio pack is part of CharterBench Pro.