| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 1.88% | 1.24% | +0.6 pts |
| ROE | 17.4% | 11.9% | +5.5 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $374.7M | $326.7M | $287.8M | $40.6M | $3.5M | 1.88% | 4.00% | 0.15% |
| Q1 2026 | $367.0M | $320.9M | $290.7M | $38.8M | $1.5M | 1.70% | 4.03% | 1.29% |
| Q4 2025 | $362.1M | $316.2M | $282.9M | $40.0M | $6.1M | 1.71% | 3.85% | 1.29% |
| Q3 2025 | $363.5M | $319.0M | $275.1M | $38.5M | $4.6M | 1.72% | 3.80% | 1.14% |
| Q2 2025 | $356.9M | $312.8M | $271.6M | $37.3M | $2.9M | 1.68% | 3.74% | 1.17% |
| Q1 2025 | $352.4M | $309.3M | $276.4M | $36.8M | $1.3M | 1.49% | 3.69% | 1.19% |
| Q4 2024 | $341.1M | $298.0M | $271.6M | $37.3M | $5.5M | 1.63% | 3.86% | 1.33% |
| Q3 2024 | $349.1M | $306.0M | $271.5M | $36.3M | $4.0M | 1.62% | 3.83% | 1.30% |
Loan mix (Q2 2026): real estate $179.7M · commercial $33.7M · consumer $5.8M · securities $8.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 62.9% | 51th |
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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