| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +5.5% | +3.9 pts |
| Deposit growth (YoY) | +8.2% | +5.1% | +3.1 pts |
| Loan growth (YoY) | +9.0% | +5.9% | +3.1 pts |
| ROA | 1.64% | 1.26% | +0.4 pts |
| ROE | 12.5% | 12.2% | +0.3 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.95B | $5.67B | $5.06B | $907.4M | $55.4M | 1.64% | 3.83% | 0.48% |
| Q1 2026 | $6.70B | $5.44B | $4.93B | $886.4M | $26.6M | 1.59% | 3.83% | 0.36% |
| Q4 2025 | $6.64B | $5.40B | $4.83B | $873.4M | $96.2M | 1.50% | 3.72% | 0.33% |
| Q3 2025 | $6.60B | $5.39B | $4.74B | $848.7M | $69.2M | 1.46% | 3.69% | 0.45% |
| Q2 2025 | $6.35B | $5.24B | $4.64B | $824.8M | $46.1M | 1.47% | 3.67% | 0.46% |
| Q1 2025 | $6.24B | $5.12B | $4.58B | $801.9M | $21.5M | 1.39% | 3.60% | 0.50% |
| Q4 2024 | $6.15B | $5.08B | $4.43B | $777.4M | $81.1M | 1.38% | 3.47% | 0.49% |
| Q3 2024 | $5.92B | $4.85B | $4.30B | $780.7M | $58.9M | 1.35% | 3.45% | 0.45% |
Loan mix (Q2 2026): real estate $3.48B · commercial $425.8M · consumer $1.14B · securities $1.03B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.26% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.2% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.7% | 59.0% | 15th |
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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