| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.5% | -0.5 pts |
| Deposit growth (YoY) | +2.2% | +5.1% | -2.8 pts |
| Loan growth (YoY) | +5.0% | +5.9% | -0.9 pts |
| ROA | 1.66% | 1.26% | +0.4 pts |
| ROE | 15.7% | 12.2% | +3.5 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.24B | $7.52B | $6.89B | $999.2M | $76.0M | 1.66% | 3.68% | 0.24% |
| Q1 2026 | $9.19B | $7.59B | $6.86B | $956.0M | $35.6M | 1.56% | 3.67% | 0.24% |
| Q4 2025 | $9.09B | $7.73B | $6.75B | $955.6M | $141.8M | 1.60% | 3.68% | 0.39% |
| Q3 2025 | $8.88B | $7.41B | $6.62B | $909.2M | $92.4M | 1.40% | 3.66% | 0.42% |
| Q2 2025 | $8.80B | $7.35B | $6.56B | $874.4M | $59.3M | 1.36% | 3.57% | 0.30% |
| Q1 2025 | $8.70B | $7.41B | $6.42B | $850.1M | $30.9M | 1.41% | 3.54% | 0.28% |
| Q4 2024 | $8.76B | $7.49B | $6.33B | $862.6M | $124.5M | 1.45% | 3.31% | 0.31% |
| Q3 2024 | $8.80B | $6.93B | $6.23B | $820.3M | $87.9M | 1.37% | 3.28% | 0.15% |
Loan mix (Q2 2026): real estate $4.40B · commercial $1.33B · consumer $643.8M · securities $1.81B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.26% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 12.2% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.7% | 59.0% | 37th |
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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