| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.0% | -3.6 pts |
| Deposit growth (YoY) | 0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 22.54% | 0.99% | +21.5 pts |
| ROE | 23.4% | 8.1% | +15.4 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $39.8M | $500K | $0 | $38.2M | $4.5M | 22.54% | -0.04% | 0.00% |
| Q1 2026 | $40.6M | $500K | $0 | $39.1M | $1.7M | 16.74% | -0.05% | 0.00% |
| Q4 2025 | $38.8M | $500K | $0 | $37.4M | $11.3M | 28.95% | -0.04% | 0.00% |
| Q3 2025 | $39.0M | $500K | $0 | $37.5M | $7.9M | 26.80% | -0.04% | 0.00% |
| Q2 2025 | $40.0M | $500K | $0 | $38.5M | $4.9M | 24.98% | -0.04% | 0.00% |
| Q1 2025 | $40.2M | $500K | $0 | $38.6M | $2.0M | 20.95% | -0.04% | 0.00% |
| Q4 2024 | $38.0M | $500K | $0 | $36.6M | $9.8M | 25.04% | -0.05% | 0.00% |
| Q3 2024 | $38.4M | $500K | $0 | $37.0M | $7.2M | 24.48% | -0.05% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 22.54% | 0.99% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 23.4% | 8.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | -0.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 70.8% | 69th |
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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