| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +3.0% | -2.1 pts |
| Deposit growth (YoY) | +1.0% | +2.5% | -1.5 pts |
| Loan growth (YoY) | -1.1% | +2.6% | -3.7 pts |
| ROA | 0.10% | 0.99% | -0.9 pts |
| ROE | 0.7% | 8.1% | -7.4 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $75.3M | $62.0M | $39.0M | $10.5M | $36K | 0.10% | 2.81% | 0.26% |
| Q1 2026 | $75.8M | $62.3M | $39.6M | $10.7M | $-8K | -0.04% | 2.79% | 0.25% |
| Q4 2025 | $75.7M | $62.1M | $39.7M | $10.8M | $-921K | -1.23% | 2.41% | 0.37% |
| Q3 2025 | $75.0M | $56.1M | $39.3M | $11.1M | $-940K | -1.67% | 2.29% | 0.47% |
| Q2 2025 | $74.7M | $61.4M | $39.4M | $10.5M | $-104K | -0.28% | 2.21% | 0.49% |
| Q1 2025 | $75.4M | $62.2M | $39.5M | $10.4M | $-48K | -0.26% | 2.23% | 0.50% |
| Q4 2024 | $74.6M | $62.1M | $40.4M | $9.7M | $-132K | -0.17% | 2.26% | 0.38% |
| Q3 2024 | $75.3M | $61.9M | $40.2M | $10.7M | $-183K | -0.32% | 2.27% | 0.39% |
Loan mix (Q2 2026): real estate $38.8M · commercial $0 · consumer $453K · securities $29.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.99% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 8.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.7% | 70.8% | 87th |
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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