| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.5% | +3.7 pts |
| Deposit growth (YoY) | +11.7% | +5.1% | +6.6 pts |
| Loan growth (YoY) | +8.1% | +5.9% | +2.2 pts |
| ROA | 1.17% | 1.26% | -0.1 pts |
| ROE | 11.5% | 12.2% | -0.7 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.61B | $1.40B | $1.18B | $165.6M | $9.3M | 1.17% | 3.62% | 0.28% |
| Q1 2026 | $1.60B | $1.38B | $1.17B | $161.0M | $4.7M | 1.19% | 3.62% | 0.29% |
| Q4 2025 | $1.54B | $1.32B | $1.17B | $156.7M | $15.9M | 1.08% | 3.71% | 0.30% |
| Q3 2025 | $1.49B | $1.27B | $1.10B | $155.1M | $11.2M | 1.03% | 3.69% | 0.31% |
| Q2 2025 | $1.48B | $1.25B | $1.09B | $153.9M | $7.1M | 0.98% | 3.66% | 0.40% |
| Q1 2025 | $1.49B | $1.28B | $1.08B | $148.5M | $3.0M | 0.85% | 3.57% | 0.41% |
| Q4 2024 | $1.37B | $1.16B | $1.04B | $147.1M | $13.0M | 0.96% | 3.36% | 0.40% |
| Q3 2024 | $1.39B | $1.17B | $1.02B | $148.2M | $8.8M | 0.87% | 3.27% | 0.40% |
Loan mix (Q2 2026): real estate $1.05B · commercial $101.4M · consumer $17.6M · securities $179.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.26% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.2% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 59.0% | 69th |
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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