| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +5.5% | +0.9 pts |
| Deposit growth (YoY) | +5.8% | +5.1% | +0.7 pts |
| Loan growth (YoY) | -1.5% | +5.9% | -7.4 pts |
| ROA | 1.61% | 1.26% | +0.3 pts |
| ROE | 14.1% | 12.2% | +1.9 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.58B | $4.02B | $2.77B | $522.1M | $36.3M | 1.61% | 4.27% | 0.63% |
| Q1 2026 | $4.53B | $3.98B | $2.77B | $519.6M | $17.6M | 1.57% | 4.21% | 0.58% |
| Q4 2025 | $4.44B | $3.90B | $2.73B | $506.1M | $65.4M | 1.50% | 4.15% | 0.55% |
| Q3 2025 | $4.34B | $3.82B | $2.74B | $486.8M | $46.4M | 1.43% | 4.13% | 0.57% |
| Q2 2025 | $4.31B | $3.80B | $2.81B | $469.4M | $33.5M | 1.55% | 4.07% | 0.43% |
| Q1 2025 | $4.35B | $3.86B | $2.83B | $455.2M | $15.3M | 1.42% | 3.98% | 0.23% |
| Q4 2024 | $4.30B | $3.82B | $2.79B | $439.7M | $59.3M | 1.42% | 3.89% | 0.29% |
| Q3 2024 | $4.25B | $3.78B | $2.80B | $429.4M | $40.5M | 1.30% | 3.78% | 0.20% |
Loan mix (Q2 2026): real estate $2.34B · commercial $353.2M · consumer $75.8M · securities $697.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.26% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 12.2% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 59.0% | 43th |
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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