| Metric | Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.4% | +5.8 pts |
| Deposit growth (YoY) | +10.5% | +4.0% | +6.6 pts |
| Loan growth (YoY) | +25.0% | +5.6% | +19.4 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 6.9% | 11.9% | -5.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $160.2M | $141.1M | $114.1M | $17.5M | $594K | 0.75% | 4.23% | 0.00% |
| Q1 2026 | $164.3M | $144.9M | $109.2M | $17.3M | $394K | 0.99% | 4.07% | 0.59% |
| Q4 2025 | $153.1M | $134.4M | $103.1M | $17.0M | $1.2M | 0.83% | 4.14% | 0.06% |
| Q3 2025 | $145.5M | $127.3M | $96.1M | $16.7M | $845K | 0.80% | 4.16% | 0.07% |
| Q2 2025 | $145.5M | $127.7M | $91.3M | $16.0M | $597K | 0.85% | 4.12% | 0.07% |
| Q1 2025 | $139.6M | $122.3M | $88.8M | $15.4M | $295K | 0.86% | 4.10% | 0.09% |
| Q4 2024 | $135.4M | $118.8M | $84.7M | $14.8M | $1.3M | 0.92% | 4.06% | 0.03% |
| Q3 2024 | $137.6M | $120.7M | $83.6M | $15.3M | $996K | 0.96% | 4.04% | 0.05% |
Loan mix (Q2 2026): real estate $99.4M · commercial $8.9M · consumer $6.0M · securities $29.4M
| Ratio | Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 11.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 62.9% | 66th |
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 | Central Bank | 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 | Central Bank | 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 | Central Bank | 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 | Central Bank | 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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