| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +4.4% | +6.4 pts |
| Deposit growth (YoY) | +11.2% | +4.0% | +7.3 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 10.0% | 11.9% | -1.9 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $245.5M | $214.4M | $127.3M | $28.5M | $1.4M | 1.15% | 3.55% | 1.36% |
| Q1 2026 | $246.4M | $216.5M | $124.9M | $27.7M | $599K | 0.98% | 3.46% | 0.13% |
| Q4 2025 | $242.6M | $212.3M | $117.2M | $28.2M | $2.8M | 1.25% | 3.58% | 0.27% |
| Q3 2025 | $236.7M | $206.5M | $120.1M | $27.5M | $2.0M | 1.17% | 3.57% | 0.13% |
| Q2 2025 | $221.7M | $192.8M | $119.9M | $26.5M | $1.3M | 1.20% | 3.58% | 0.15% |
| Q1 2025 | $221.0M | $193.2M | $119.8M | $25.4M | $620K | 1.15% | 3.48% | 0.13% |
| Q4 2024 | $208.6M | $181.6M | $119.7M | $24.7M | $2.5M | 1.22% | 3.73% | 0.12% |
| Q3 2024 | $210.8M | $181.8M | $119.2M | $25.9M | $1.8M | 1.18% | 3.70% | 0.32% |
Loan mix (Q2 2026): real estate $106.9M · commercial $15.8M · consumer $3.6M · securities $85.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 62.9% | 60th |
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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