| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +3.0% | -9.1 pts |
| Deposit growth (YoY) | -7.7% | +2.5% | -10.2 pts |
| Loan growth (YoY) | -2.1% | +2.6% | -4.7 pts |
| ROA | 0.95% | 0.99% | -0.0 pts |
| ROE | 8.7% | 8.1% | +0.6 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.0M | $25.4M | $8.3M | $3.3M | $142K | 0.95% | 3.55% | 0.00% |
| Q1 2026 | $30.2M | $26.7M | $8.5M | $3.2M | $73K | 0.96% | 3.53% | 0.00% |
| Q4 2025 | $30.6M | $27.1M | $8.4M | $3.2M | $344K | 1.08% | 3.53% | 0.00% |
| Q3 2025 | $32.5M | $29.0M | $9.1M | $3.2M | $278K | 1.15% | 3.43% | 0.00% |
| Q2 2025 | $30.8M | $27.5M | $8.5M | $3.1M | $178K | 1.11% | 3.31% | 0.00% |
| Q1 2025 | $33.7M | $30.5M | $8.7M | $3.0M | $88K | 1.07% | 3.20% | 0.00% |
| Q4 2024 | $31.9M | $28.8M | $9.1M | $2.8M | $273K | 0.88% | 3.14% | 0.00% |
| Q3 2024 | $32.5M | $29.4M | $9.5M | $2.9M | $205K | 0.89% | 3.11% | 0.00% |
Loan mix (Q2 2026): real estate $6.4M · commercial $949K · consumer $300K · securities $8.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.99% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 8.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 70.8% | 31th |
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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