| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.7% | +5.5% | +12.2 pts |
| Deposit growth (YoY) | +19.4% | +5.1% | +14.4 pts |
| Loan growth (YoY) | +10.8% | +5.9% | +4.9 pts |
| ROA | 1.60% | 1.26% | +0.3 pts |
| ROE | 17.6% | 12.2% | +5.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.79B | $4.14B | $3.21B | $422.2M | $36.7M | 1.60% | 2.94% | 0.35% |
| Q1 2026 | $4.46B | $3.81B | $3.09B | $420.5M | $17.5M | 1.56% | 2.98% | 0.28% |
| Q4 2025 | $4.48B | $3.83B | $3.04B | $407.6M | $59.0M | 1.46% | 3.08% | 0.38% |
| Q3 2025 | $4.19B | $3.56B | $2.95B | $390.2M | $43.6M | 1.48% | 3.06% | 0.36% |
| Q2 2025 | $4.07B | $3.46B | $2.90B | $368.6M | $27.2M | 1.42% | 3.06% | 0.38% |
| Q1 2025 | $3.76B | $3.17B | $2.68B | $353.2M | $12.8M | 1.38% | 3.17% | 0.39% |
| Q4 2024 | $3.66B | $3.10B | $2.61B | $334.6M | $47.2M | 1.38% | 3.10% | 0.42% |
| Q3 2024 | $3.62B | $3.06B | $2.48B | $335.0M | $34.6M | 1.37% | 3.10% | 0.45% |
Loan mix (Q2 2026): real estate $963.8M · commercial $1.52B · consumer $523.6M · securities $993.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.26% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 12.2% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 32.6% | 59.0% | 3th |
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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