| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.5 pts |
| Loan growth (YoY) | -16.5% | +5.6% | -22.1 pts |
| ROA | 0.63% | 1.24% | -0.6 pts |
| ROE | 6.0% | 11.9% | -5.9 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $183.7M | $162.2M | $114.1M | $19.5M | $576K | 0.63% | 3.75% | 4.90% |
| Q1 2026 | $188.4M | $167.3M | $116.0M | $19.3M | $350K | 0.77% | 3.80% | 5.18% |
| Q4 2025 | $175.9M | $155.0M | $127.9M | $19.0M | $1.7M | 0.96% | 4.10% | 5.37% |
| Q3 2025 | $174.8M | $153.8M | $131.1M | $18.7M | $1.3M | 0.97% | 4.13% | 4.22% |
| Q2 2025 | $182.2M | $161.4M | $136.6M | $18.1M | $947K | 1.04% | 4.10% | 2.03% |
| Q1 2025 | $186.8M | $167.3M | $138.4M | $17.3M | $432K | 0.95% | 3.91% | 2.02% |
| Q4 2024 | $175.6M | $156.8M | $139.7M | $16.5M | $1.2M | 0.68% | 3.63% | 2.01% |
| Q3 2024 | $187.2M | $156.3M | $141.7M | $16.9M | $982K | 0.71% | 3.52% | 1.90% |
Loan mix (Q2 2026): real estate $102.0M · commercial $13.3M · consumer $427K · securities $25.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 62.9% | 76th |
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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