| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +13.5% | +5.6% | +7.9 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 10.6% | 11.9% | -1.3 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $266.5M | $242.8M | $77.5M | $20.1M | $1.1M | 0.85% | 2.99% | 0.00% |
| Q1 2026 | $252.5M | $228.9M | $74.3M | $19.9M | $493K | 0.77% | 2.92% | 0.00% |
| Q4 2025 | $257.2M | $231.6M | $71.1M | $22.3M | $2.4M | 0.91% | 2.94% | 0.00% |
| Q3 2025 | $258.3M | $232.6M | $72.0M | $21.9M | $1.8M | 0.89% | 2.87% | 0.00% |
| Q2 2025 | $262.2M | $238.3M | $68.3M | $20.2M | $1.2M | 0.88% | 2.83% | 0.00% |
| Q1 2025 | $267.4M | $244.1M | $72.8M | $19.6M | $525K | 0.79% | 2.66% | 0.00% |
| Q4 2024 | $265.6M | $244.1M | $72.6M | $18.2M | $2.2M | 0.85% | 2.82% | 0.00% |
| Q3 2024 | $268.8M | $245.5M | $70.9M | $20.0M | $1.6M | 0.82% | 2.77% | 0.00% |
Loan mix (Q2 2026): real estate $66.0M · commercial $8.7M · consumer $2.0M · securities $75.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% | 62.9% | 42th |
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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