| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +5.5% | -6.7 pts |
| Deposit growth (YoY) | -3.0% | +5.1% | -8.0 pts |
| Loan growth (YoY) | -6.5% | +5.9% | -12.4 pts |
| ROA | 1.85% | 1.26% | +0.6 pts |
| ROE | 13.0% | 12.2% | +0.8 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.96B | $2.37B | $1.76B | $432.2M | $27.5M | 1.85% | 2.90% | 0.52% |
| Q1 2026 | $3.00B | $2.46B | $1.74B | $421.8M | $10.0M | 1.34% | 2.81% | 0.59% |
| Q4 2025 | $2.97B | $2.45B | $1.77B | $417.2M | $41.6M | 1.40% | 2.68% | 0.56% |
| Q3 2025 | $2.98B | $2.47B | $1.83B | $409.3M | $32.2M | 1.44% | 2.64% | 0.68% |
| Q2 2025 | $3.00B | $2.44B | $1.88B | $399.3M | $21.1M | 1.42% | 2.57% | 0.63% |
| Q1 2025 | $2.97B | $2.42B | $1.76B | $390.9M | $11.4M | 1.55% | 2.60% | 0.25% |
| Q4 2024 | $2.96B | $2.43B | $1.78B | $386.3M | $41.1M | 1.39% | 2.24% | 0.19% |
| Q3 2024 | $2.93B | $2.44B | $1.76B | $386.3M | $32.4M | 1.47% | 2.17% | 0.20% |
Loan mix (Q2 2026): real estate $783.7M · commercial $174.8M · consumer $68.2M · securities $154.9M
| Ratio | TIB National Association | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.26% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.2% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
12th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 59.0% | 44th |
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 | TIB National Association | 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 | TIB National Association | 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 | TIB National Association | 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 | TIB National Association | 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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