| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.5% | -2.0 pts |
| Deposit growth (YoY) | +1.3% | +5.1% | -3.7 pts |
| Loan growth (YoY) | +8.3% | +5.9% | +2.3 pts |
| ROA | 1.79% | 1.26% | +0.5 pts |
| ROE | 15.0% | 12.2% | +2.8 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.69B | $1.31B | $1.19B | $208.5M | $15.3M | 1.79% | 3.44% | 0.18% |
| Q1 2026 | $1.74B | $1.38B | $1.17B | $202.6M | $7.5M | 1.76% | 3.33% | 0.29% |
| Q4 2025 | $1.68B | $1.33B | $1.14B | $200.1M | $25.8M | 1.55% | 3.24% | 0.30% |
| Q3 2025 | $1.70B | $1.34B | $1.13B | $201.0M | $20.0M | 1.61% | 3.21% | 0.31% |
| Q2 2025 | $1.63B | $1.29B | $1.10B | $193.7M | $12.7M | 1.54% | 3.17% | 0.31% |
| Q1 2025 | $1.69B | $1.33B | $1.09B | $187.6M | $6.2M | 1.49% | 3.04% | 0.38% |
| Q4 2024 | $1.64B | $1.20B | $1.07B | $180.8M | $22.4M | 1.39% | 3.07% | 0.17% |
| Q3 2024 | $1.62B | $1.20B | $1.04B | $189.0M | $17.8M | 1.48% | 3.11% | 0.03% |
Loan mix (Q2 2026): real estate $774.0M · commercial $110.4M · consumer $19.4M · securities $325.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.26% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.2% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.8% | 59.0% | 28th |
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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