| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +4.3% | +4.0% | +0.4 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.3 pts |
| ROA | 0.64% | 1.24% | -0.6 pts |
| ROE | 6.7% | 11.9% | -5.2 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 | $473.5M | $424.3M | $351.0M | $45.0M | $1.5M | 0.64% | 4.02% | 0.37% |
| Q1 2026 | $472.1M | $423.2M | $350.9M | $44.6M | $639K | 0.55% | 3.98% | 0.41% |
| Q4 2025 | $459.0M | $410.9M | $349.0M | $44.1M | $3.2M | 0.70% | 3.89% | 0.42% |
| Q3 2025 | $447.6M | $400.9M | $350.3M | $43.1M | $2.6M | 0.77% | 3.87% | 0.46% |
| Q2 2025 | $453.3M | $406.8M | $346.5M | $40.8M | $1.6M | 0.71% | 3.82% | 0.43% |
| Q1 2025 | $461.9M | $410.4M | $348.0M | $40.2M | $817K | 0.71% | 3.77% | 0.43% |
| Q4 2024 | $459.4M | $406.6M | $352.1M | $38.9M | $2.5M | 0.55% | 3.58% | 0.42% |
| Q3 2024 | $463.6M | $398.2M | $352.0M | $40.2M | $2.1M | 0.61% | 3.53% | 0.41% |
Loan mix (Q2 2026): real estate $322.2M · commercial $16.9M · consumer $10.0M · securities $64.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 62.9% | 86th |
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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