| Metric | Anchor D Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +4.4% | +6.0 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +7.6% | +5.6% | +2.0 pts |
| ROA | 1.80% | 1.24% | +0.6 pts |
| ROE | 18.2% | 11.9% | +6.4 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $404.5M | $330.1M | $231.1M | $40.9M | $3.6M | 1.80% | 3.62% | 0.01% |
| Q1 2026 | $389.4M | $338.9M | $219.7M | $38.0M | $1.8M | 1.88% | 3.54% | 0.07% |
| Q4 2025 | $395.2M | $344.6M | $230.2M | $38.3M | $5.9M | 1.57% | 3.75% | 0.01% |
| Q3 2025 | $379.4M | $329.7M | $211.5M | $36.3M | $4.7M | 1.67% | 3.78% | 0.01% |
| Q2 2025 | $366.6M | $319.8M | $214.8M | $34.1M | $3.2M | 1.75% | 3.79% | 0.01% |
| Q1 2025 | $385.3M | $339.7M | $228.2M | $33.3M | $1.7M | 1.81% | 3.82% | 0.01% |
| Q4 2024 | $361.8M | $307.4M | $229.2M | $31.3M | $6.0M | 1.71% | 3.91% | 0.01% |
| Q3 2024 | $349.6M | $287.7M | $213.7M | $32.0M | $5.0M | 1.92% | 3.90% | 0.01% |
Loan mix (Q2 2026): real estate $100.7M · commercial $32.9M · consumer $6.5M · securities $129.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Anchor D Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 18.2% | 11.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 62.9% | 30th |
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 | Anchor D Bank | 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 | Anchor D Bank | 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 | Anchor D Bank | 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 | Anchor D Bank | 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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