| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +5.1% | +5.6% | -0.5 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 10.4% | 11.9% | -1.5 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $273.2M | $242.4M | $114.2M | $29.6M | $1.5M | 1.11% | 3.55% | 0.18% |
| Q1 2026 | $274.6M | $244.8M | $112.2M | $28.7M | $807K | 1.18% | 3.48% | 0.19% |
| Q4 2025 | $272.6M | $242.1M | $112.0M | $29.3M | $3.0M | 1.13% | 3.54% | 0.20% |
| Q3 2025 | $267.3M | $237.7M | $110.2M | $28.4M | $2.3M | 1.14% | 3.52% | 0.22% |
| Q2 2025 | $262.4M | $234.7M | $108.7M | $24.6M | $1.4M | 1.06% | 3.49% | 0.23% |
| Q1 2025 | $268.7M | $242.2M | $104.7M | $25.1M | $737K | 1.11% | 3.43% | 0.24% |
| Q4 2024 | $261.1M | $236.4M | $101.7M | $23.4M | $3.2M | 1.22% | 3.49% | 0.25% |
| Q3 2024 | $263.3M | $230.6M | $101.6M | $27.5M | $2.4M | 1.20% | 3.47% | 0.16% |
Loan mix (Q2 2026): real estate $106.3M · commercial $4.0M · consumer $4.6M · securities $136.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 62.9% | 47th |
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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