| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +4.9% | -7.3 pts |
| Deposit growth (YoY) | -1.1% | +4.3% | -5.5 pts |
| Loan growth (YoY) | +6.9% | +5.3% | +1.6 pts |
| ROA | 5.34% | 1.28% | +4.1 pts |
| ROE | 55.7% | 12.5% | +43.2 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $796.3M | $676.4M | $462.3M | $77.4M | $21.7M | 5.34% | 8.09% | 0.26% |
| Q1 2026 | $832.7M | $705.4M | $465.0M | $77.9M | $11.2M | 5.46% | 8.46% | 0.26% |
| Q4 2025 | $805.6M | $675.2M | $470.8M | $78.2M | $50.3M | 6.11% | 7.67% | 0.22% |
| Q3 2025 | $811.0M | $673.0M | $460.3M | $75.8M | $37.4M | 6.02% | 7.55% | 0.21% |
| Q2 2025 | $816.1M | $684.0M | $432.5M | $73.4M | $24.8M | 5.94% | 7.41% | 0.23% |
| Q1 2025 | $834.3M | $701.1M | $407.0M | $67.5M | $12.3M | 5.84% | 7.39% | 0.19% |
| Q4 2024 | $851.7M | $731.8M | $362.4M | $64.4M | $50.5M | 5.79% | 7.47% | 0.17% |
| Q3 2024 | $889.0M | $754.8M | $336.0M | $65.9M | $39.4M | 5.99% | 7.43% | 0.19% |
Loan mix (Q2 2026): real estate $2.1M · commercial $308.1M · consumer $0 · securities $172.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 5.34% | 1.28% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 55.7% | 12.5% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.09% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 32.0% | 61.1% | 1st |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $676.4M branch deposits. Biggest market: Salt Lake, UT, ranked 29th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $676.4M | 0.06% | 29th |
Utah: 48th with 0.05% · Salt Lake City-Murray metro: 29th, 0.06% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 141% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).