| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.7 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 1.76% | 1.24% | +0.5 pts |
| ROE | 17.8% | 11.9% | +6.0 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $141.3M | $126.6M | $70.1M | $14.1M | $1.3M | 1.76% | 4.27% | 2.00% |
| Q1 2026 | $141.5M | $126.9M | $70.9M | $14.0M | $669K | 1.87% | 4.09% | 1.67% |
| Q4 2025 | $144.9M | $129.8M | $70.5M | $14.3M | $2.1M | 1.52% | 3.97% | 1.75% |
| Q3 2025 | $139.7M | $125.1M | $68.8M | $13.8M | $1.6M | 1.53% | 3.89% | 1.74% |
| Q2 2025 | $137.7M | $123.8M | $69.8M | $13.2M | $973K | 1.43% | 3.83% | 1.81% |
| Q1 2025 | $138.4M | $124.9M | $67.2M | $12.8M | $449K | 1.32% | 3.47% | 2.62% |
| Q4 2024 | $133.6M | $120.2M | $67.1M | $12.8M | $1.5M | 1.16% | 3.45% | 1.98% |
| Q3 2024 | $137.0M | $117.4M | $64.1M | $12.5M | $1.1M | 1.12% | 3.38% | 1.93% |
Loan mix (Q2 2026): real estate $38.9M · commercial $17.9M · consumer $1.6M · securities $33.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 17.8% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 62.9% | 24th |
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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