| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +5.5% | -2.3 pts |
| Deposit growth (YoY) | +4.7% | +5.1% | -0.3 pts |
| Loan growth (YoY) | +3.5% | +5.9% | -2.5 pts |
| ROA | 1.28% | 1.26% | +0.0 pts |
| ROE | 11.5% | 12.2% | -0.7 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.17B | $7.04B | $6.97B | $921.9M | $52.7M | 1.28% | 3.48% | 0.77% |
| Q1 2026 | $8.11B | $6.92B | $6.87B | $916.6M | $27.4M | 1.33% | 3.39% | 0.56% |
| Q4 2025 | $8.40B | $7.20B | $6.84B | $907.1M | $103.3M | 1.26% | 3.29% | 0.45% |
| Q3 2025 | $8.54B | $7.33B | $6.71B | $930.6M | $76.5M | 1.25% | 3.27% | 0.61% |
| Q2 2025 | $7.91B | $6.72B | $6.73B | $914.0M | $47.9M | 1.20% | 3.27% | 0.64% |
| Q1 2025 | $7.95B | $6.79B | $6.76B | $903.6M | $24.5M | 1.22% | 3.18% | 0.43% |
| Q4 2024 | $8.11B | $6.89B | $6.76B | $887.2M | $85.8M | 1.08% | 3.01% | 0.41% |
| Q3 2024 | $8.19B | $6.96B | $6.66B | $905.7M | $64.1M | 1.08% | 2.97% | 0.45% |
Loan mix (Q2 2026): real estate $5.63B · commercial $970.4M · consumer $12.3M · securities $492.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.26% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.2% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% | 59.0% | 53th |
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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