| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +5.5% | +1.7 pts |
| Deposit growth (YoY) | +4.3% | +5.1% | -0.7 pts |
| Loan growth (YoY) | +6.4% | +5.9% | +0.5 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 13.7% | 12.2% | +1.6 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.71B | $3.81B | $3.50B | $483.1M | $32.5M | 1.42% | 3.08% | 0.16% |
| Q1 2026 | $4.52B | $3.72B | $3.37B | $469.4M | $15.7M | 1.39% | 3.10% | 0.16% |
| Q4 2025 | $4.51B | $3.71B | $3.30B | $465.5M | $55.7M | 1.27% | 3.13% | 0.14% |
| Q3 2025 | $4.56B | $3.80B | $3.33B | $449.6M | $42.0M | 1.29% | 3.13% | 0.15% |
| Q2 2025 | $4.39B | $3.66B | $3.29B | $428.4M | $26.1M | 1.22% | 3.12% | 0.17% |
| Q1 2025 | $4.25B | $3.51B | $3.13B | $414.1M | $12.7M | 1.20% | 3.16% | 0.23% |
| Q4 2024 | $4.17B | $3.46B | $3.02B | $395.4M | $41.7M | 1.03% | 2.93% | 0.19% |
| Q3 2024 | $4.13B | $3.41B | $2.98B | $397.4M | $30.3M | 1.01% | 2.88% | 0.19% |
Loan mix (Q2 2026): real estate $1.30B · commercial $1.30B · consumer $618.8M · securities $866.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.5% | 59.0% | 10th |
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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