| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +51.7% | +5.5% | +46.2 pts |
| Deposit growth (YoY) | +55.0% | +5.1% | +49.9 pts |
| Loan growth (YoY) | -4.6% | +5.9% | -10.5 pts |
| ROA | 1.86% | 1.26% | +0.6 pts |
| ROE | 21.6% | 12.2% | +9.4 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.19B | $2.01B | $270.6M | $178.4M | $18.2M | 1.86% | 3.34% | 0.00% |
| Q1 2026 | $1.92B | $1.74B | $269.8M | $169.1M | $8.2M | 1.79% | 3.32% | 0.00% |
| Q4 2025 | $1.75B | $1.58B | $270.7M | $157.9M | $22.4M | 1.43% | 3.35% | 0.00% |
| Q3 2025 | $1.53B | $1.38B | $280.0M | $151.2M | $16.4M | 1.44% | 3.38% | 0.00% |
| Q2 2025 | $1.45B | $1.29B | $283.6M | $144.7M | $11.4M | 1.49% | 3.44% | 0.00% |
| Q1 2025 | $1.73B | $1.58B | $297.5M | $138.5M | $6.1M | 1.55% | 3.61% | 0.00% |
| Q4 2024 | $1.40B | $1.28B | $309.1M | $118.8M | $23.3M | 1.71% | 3.37% | 0.00% |
| Q3 2024 | $1.56B | $1.43B | $295.8M | $115.2M | $18.9M | 1.86% | 3.38% | 0.00% |
Loan mix (Q2 2026): real estate $267.2M · commercial $4.1M · consumer $2.5M · securities $1.07B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.26% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 21.6% | 12.2% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.4% | 59.0% | 8th |
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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