| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.5% | +5.5% | +8.0 pts |
| Deposit growth (YoY) | +15.5% | +5.1% | +10.4 pts |
| Loan growth (YoY) | +12.6% | +5.9% | +6.6 pts |
| ROA | 1.46% | 1.26% | +0.2 pts |
| ROE | 17.0% | 12.2% | +4.9 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.21B | $1.07B | $1.03B | $106.1M | $8.7M | 1.46% | 3.79% | 1.55% |
| Q1 2026 | $1.20B | $1.05B | $1.03B | $103.0M | $4.1M | 1.37% | 3.76% | 1.59% |
| Q4 2025 | $1.19B | $1.05B | $1.01B | $97.9M | $13.3M | 1.21% | 3.86% | 0.62% |
| Q3 2025 | $1.12B | $964.8M | $962.7M | $100.8M | $9.4M | 1.16% | 3.88% | 0.70% |
| Q2 2025 | $1.07B | $929.8M | $915.1M | $95.8M | $5.5M | 1.03% | 3.85% | 0.53% |
| Q1 2025 | $1.06B | $925.9M | $911.6M | $94.1M | $3.0M | 1.12% | 3.80% | 0.83% |
| Q4 2024 | $1.05B | $940.3M | $894.7M | $89.6M | $13.7M | 1.36% | 3.77% | 0.87% |
| Q3 2024 | $1.04B | $884.5M | $891.0M | $94.2M | $9.6M | 1.29% | 3.72% | 0.90% |
Loan mix (Q2 2026): real estate $815.3M · commercial $186.6M · consumer $4.6M · securities $89.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.26% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 12.2% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 59.0% | 27th |
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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