| Metric | Baybank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +7.1% | +5.6% | +1.5 pts |
| ROA | 1.23% | 1.24% | -0.0 pts |
| ROE | 12.4% | 11.9% | +0.5 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $173.4M | $145.8M | $134.8M | $17.3M | $1.1M | 1.23% | 4.81% | 1.59% |
| Q1 2026 | $175.1M | $147.6M | $130.4M | $17.2M | $607K | 1.41% | 4.71% | 1.19% |
| Q4 2025 | $168.8M | $143.8M | $127.2M | $16.7M | $2.4M | 1.43% | 4.63% | 1.18% |
| Q3 2025 | $166.2M | $143.9M | $126.6M | $16.2M | $1.7M | 1.40% | 4.55% | 0.76% |
| Q2 2025 | $165.1M | $145.2M | $125.9M | $15.3M | $1.1M | 1.30% | 4.38% | 1.21% |
| Q1 2025 | $165.6M | $146.1M | $121.5M | $14.7M | $503K | 1.24% | 4.20% | 1.08% |
| Q4 2024 | $159.5M | $141.0M | $119.0M | $13.9M | $1.8M | 1.15% | 4.25% | 1.35% |
| Q3 2024 | $156.8M | $136.7M | $119.3M | $14.0M | $1.3M | 1.12% | 4.21% | 1.60% |
Loan mix (Q2 2026): real estate $93.7M · commercial $23.7M · consumer $19.2M · securities $23.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Baybank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 62.9% | 59th |
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 | Baybank | 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 | Baybank | 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 | Baybank | 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 | Baybank | 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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