| Metric | Bank 21 | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +4.4% | +5.5 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +11.3% | +5.6% | +5.7 pts |
| ROA | 2.72% | 1.24% | +1.5 pts |
| ROE | 24.4% | 11.9% | +12.5 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $202.1M | $164.7M | $180.4M | $22.6M | $2.7M | 2.72% | 5.24% | 0.54% |
| Q1 2026 | $196.1M | $161.4M | $175.2M | $22.3M | $1.3M | 2.71% | 5.23% | 0.59% |
| Q4 2025 | $195.9M | $157.8M | $173.5M | $21.4M | $4.6M | 2.52% | 5.38% | 0.81% |
| Q3 2025 | $196.4M | $157.8M | $173.3M | $20.6M | $3.4M | 2.52% | 5.39% | 1.04% |
| Q2 2025 | $184.0M | $153.3M | $162.1M | $19.9M | $2.1M | 2.40% | 5.31% | 1.05% |
| Q1 2025 | $173.0M | $145.1M | $152.4M | $19.5M | $852K | 1.97% | 5.26% | 1.23% |
| Q4 2024 | $172.1M | $144.6M | $149.4M | $18.7M | $3.5M | 2.01% | 4.92% | 1.37% |
| Q3 2024 | $175.4M | $147.1M | $151.8M | $17.9M | $2.3M | 1.78% | 4.77% | 1.41% |
Loan mix (Q2 2026): real estate $155.2M · commercial $17.5M · consumer $1.7M · securities $2.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank 21 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.72% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 24.4% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 62.9% | 12th |
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 | Bank 21 | 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 | Bank 21 | 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 | Bank 21 | 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 | Bank 21 | 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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