| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.5% | +0.1 pts |
| Deposit growth (YoY) | +1.4% | +5.1% | -3.7 pts |
| Loan growth (YoY) | +16.2% | +5.9% | +10.3 pts |
| ROA | 1.37% | 1.26% | +0.1 pts |
| ROE | 18.2% | 12.2% | +6.0 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.04B | $2.67B | $2.12B | $237.5M | $21.1M | 1.37% | 3.22% | 0.11% |
| Q1 2026 | $3.13B | $2.87B | $2.07B | $232.4M | $9.5M | 1.23% | 3.17% | 0.11% |
| Q4 2025 | $3.09B | $2.84B | $1.99B | $227.9M | $38.3M | 1.28% | 3.17% | 0.12% |
| Q3 2025 | $2.95B | $2.70B | $1.90B | $222.4M | $28.1M | 1.26% | 3.19% | 0.13% |
| Q2 2025 | $2.88B | $2.64B | $1.83B | $211.7M | $18.8M | 1.26% | 3.15% | 0.15% |
| Q1 2025 | $3.12B | $2.90B | $1.78B | $201.4M | $8.9M | 1.17% | 3.05% | 0.15% |
| Q4 2024 | $2.96B | $2.74B | $1.80B | $189.0M | $30.9M | 1.06% | 2.92% | 0.15% |
| Q3 2024 | $3.00B | $2.75B | $1.71B | $215.0M | $22.7M | 1.04% | 2.87% | 0.03% |
Loan mix (Q2 2026): real estate $1.54B · commercial $516.2M · consumer $42.6M · securities $523.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.26% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 18.2% | 12.2% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 59.0% | 42th |
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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