| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +5.5% | -5.7 pts |
| Deposit growth (YoY) | -0.3% | +5.1% | -5.3 pts |
| Loan growth (YoY) | -5.7% | +5.9% | -11.6 pts |
| ROA | 1.70% | 1.26% | +0.4 pts |
| ROE | 13.4% | 12.2% | +1.2 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.42B | $1.22B | $722.9M | $184.2M | $12.2M | 1.70% | 4.17% | 0.62% |
| Q1 2026 | $1.44B | $1.24B | $768.7M | $180.6M | $6.2M | 1.74% | 4.09% | 0.59% |
| Q4 2025 | $1.42B | $1.22B | $795.4M | $178.9M | $20.8M | 1.47% | 4.06% | 0.08% |
| Q3 2025 | $1.43B | $1.22B | $813.8M | $192.8M | $14.8M | 1.39% | 4.05% | 0.05% |
| Q2 2025 | $1.43B | $1.22B | $766.4M | $185.5M | $9.4M | 1.33% | 3.95% | 0.07% |
| Q1 2025 | $1.42B | $1.22B | $773.9M | $180.2M | $4.6M | 1.31% | 3.90% | 0.04% |
| Q4 2024 | $1.39B | $1.20B | $811.1M | $170.2M | $19.5M | 1.43% | 3.86% | 0.05% |
| Q3 2024 | $1.37B | $1.17B | $834.2M | $176.5M | $14.8M | 1.46% | 3.87% | 0.06% |
Loan mix (Q2 2026): real estate $538.6M · commercial $154.7M · consumer $26.5M · securities $426.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.26% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.2% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 59.0% | 70th |
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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