| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +5.5% | +4.0 pts |
| Deposit growth (YoY) | +12.3% | +5.1% | +7.2 pts |
| Loan growth (YoY) | +2.1% | +5.9% | -3.8 pts |
| ROA | 1.12% | 1.26% | -0.1 pts |
| ROE | 12.8% | 12.2% | +0.6 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.17B | $989.5M | $743.6M | $104.3M | $6.6M | 1.12% | 2.79% | 0.06% |
| Q1 2026 | $1.16B | $961.5M | $736.5M | $102.2M | $2.4M | 0.82% | 2.68% | 0.15% |
| Q4 2025 | $1.18B | $987.7M | $736.9M | $101.8M | $11.2M | 1.01% | 2.77% | 0.11% |
| Q3 2025 | $1.11B | $923.1M | $728.4M | $99.2M | $8.0M | 0.98% | 2.77% | 0.10% |
| Q2 2025 | $1.07B | $881.4M | $728.2M | $94.8M | $5.5M | 1.03% | 2.73% | 0.28% |
| Q1 2025 | $1.05B | $865.9M | $719.3M | $93.4M | $3.0M | 1.10% | 2.69% | 0.33% |
| Q4 2024 | $1.11B | $937.7M | $717.6M | $88.1M | $8.2M | 0.78% | 2.64% | 0.08% |
| Q3 2024 | $1.10B | $908.8M | $704.3M | $94.8M | $6.4M | 0.83% | 2.64% | 0.12% |
Loan mix (Q2 2026): real estate $605.1M · commercial $126.5M · consumer $20.2M · securities $269.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.26% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 12.2% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.79% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 59.0% | 32th |
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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