| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +5.5% | +6.5 pts |
| Deposit growth (YoY) | +12.4% | +5.1% | +7.4 pts |
| Loan growth (YoY) | +13.0% | +5.9% | +7.1 pts |
| ROA | 1.34% | 1.26% | +0.1 pts |
| ROE | 15.0% | 12.2% | +2.8 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.07B | $1.84B | $1.73B | $188.9M | $13.7M | 1.34% | 4.10% | 0.34% |
| Q1 2026 | $2.04B | $1.83B | $1.70B | $181.8M | $6.3M | 1.23% | 3.98% | 0.23% |
| Q4 2025 | $2.03B | $1.75B | $1.72B | $178.1M | $27.1M | 1.46% | 3.93% | 0.35% |
| Q3 2025 | $1.94B | $1.75B | $1.58B | $170.6M | $19.9M | 1.46% | 3.87% | 0.44% |
| Q2 2025 | $1.85B | $1.64B | $1.53B | $161.6M | $12.0M | 1.35% | 3.80% | 0.48% |
| Q1 2025 | $1.76B | $1.55B | $1.46B | $155.5M | $5.8M | 1.34% | 3.76% | 0.55% |
| Q4 2024 | $1.72B | $1.51B | $1.43B | $147.8M | $20.9M | 1.30% | 3.76% | 0.46% |
| Q3 2024 | $1.67B | $1.48B | $1.38B | $145.0M | $14.4M | 1.22% | 3.72% | 0.48% |
Loan mix (Q2 2026): real estate $1.21B · commercial $527.9M · consumer $509K · securities $205.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.26% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.2% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.9% | 59.0% | 25th |
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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