| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +3.0% | +4.4 pts |
| Deposit growth (YoY) | +7.5% | +2.5% | +5.0 pts |
| Loan growth (YoY) | -7.3% | +2.6% | -9.9 pts |
| ROA | 1.08% | 0.99% | +0.1 pts |
| ROE | 8.0% | 8.1% | -0.0 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.7M | $55.0M | $23.9M | $8.5M | $338K | 1.08% | 3.37% | 0.00% |
| Q1 2026 | $61.5M | $52.9M | $24.2M | $8.3M | $160K | 1.03% | 3.31% | 0.00% |
| Q4 2025 | $63.4M | $54.7M | $25.0M | $8.5M | $648K | 1.09% | 3.35% | 0.00% |
| Q3 2025 | $59.7M | $51.2M | $27.0M | $8.2M | $448K | 1.03% | 3.28% | 0.00% |
| Q2 2025 | $59.3M | $51.2M | $25.8M | $7.9M | $261K | 0.91% | 3.14% | 0.00% |
| Q1 2025 | $60.3M | $52.5M | $26.2M | $7.6M | $107K | 0.75% | 2.95% | 0.00% |
| Q4 2024 | $53.3M | $45.6M | $26.2M | $7.5M | $363K | 0.72% | 3.09% | 0.00% |
| Q3 2024 | $50.4M | $42.8M | $26.6M | $7.4M | $249K | 0.66% | 3.08% | 0.00% |
Loan mix (Q2 2026): real estate $18.1M · commercial $2.1M · consumer $1.6M · securities $16.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.99% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 8.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 70.8% | 18th |
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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