| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +5.5% | -7.2 pts |
| Deposit growth (YoY) | +0.1% | +5.1% | -5.0 pts |
| Loan growth (YoY) | -1.8% | +5.9% | -7.7 pts |
| ROA | 0.76% | 1.26% | -0.5 pts |
| ROE | 8.8% | 12.2% | -3.4 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.55B | $1.38B | $1.03B | $139.3M | $6.0M | 0.76% | 3.27% | 0.09% |
| Q1 2026 | $1.58B | $1.41B | $1.07B | $136.2M | $2.5M | 0.63% | 3.21% | 0.09% |
| Q4 2025 | $1.62B | $1.42B | $1.01B | $139.1M | $8.4M | 0.54% | 2.96% | 0.06% |
| Q3 2025 | $1.53B | $1.32B | $1.03B | $135.3M | $6.1M | 0.52% | 2.93% | 0.03% |
| Q2 2025 | $1.58B | $1.38B | $1.04B | $132.2M | $3.8M | 0.48% | 2.85% | 0.05% |
| Q1 2025 | $1.54B | $1.34B | $1.06B | $127.9M | $2.1M | 0.56% | 2.88% | 0.06% |
| Q4 2024 | $1.54B | $1.35B | $1.06B | $125.2M | $6.1M | 0.39% | 2.72% | 0.06% |
| Q3 2024 | $1.55B | $1.31B | $1.06B | $134.0M | $4.9M | 0.42% | 2.72% | 0.07% |
Loan mix (Q2 2026): real estate $871.6M · commercial $117.2M · consumer $4.5M · securities $352.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 1.26% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 12.2% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 59.0% | 86th |
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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