| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +3.0% | -4.5 pts |
| Deposit growth (YoY) | +0.9% | +2.5% | -1.5 pts |
| Loan growth (YoY) | +0.2% | +2.6% | -2.4 pts |
| ROA | -0.21% | 0.99% | -1.2 pts |
| ROE | -1.7% | 8.1% | -9.8 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.0M | $37.7M | $28.2M | $5.1M | $-44K | -0.21% | 1.96% | 0.00% |
| Q1 2026 | $42.7M | $37.2M | $27.2M | $5.1M | $-24K | -0.23% | 1.83% | 0.00% |
| Q4 2025 | $42.4M | $36.6M | $27.5M | $5.2M | $-61K | -0.14% | 1.96% | 0.00% |
| Q3 2025 | $42.4M | $36.3M | $27.7M | $5.1M | $-127K | -0.39% | 1.99% | 0.13% |
| Q2 2025 | $43.7M | $37.4M | $28.1M | $5.1M | $-72K | -0.33% | 1.98% | 0.10% |
| Q1 2025 | $43.3M | $36.8M | $28.3M | $5.2M | $-35K | -0.32% | 1.98% | 0.00% |
| Q4 2024 | $43.8M | $37.7M | $28.6M | $5.2M | $-155K | -0.34% | 1.84% | 0.00% |
| Q3 2024 | $44.2M | $38.5M | $29.6M | $5.2M | $-163K | -0.48% | 1.81% | 0.00% |
Loan mix (Q2 2026): real estate $28.1M · commercial $0 · consumer $41K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.21% | 0.99% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 8.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.6% | 70.8% | 91th |
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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