| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.4% | -1.1 pts |
| Deposit growth (YoY) | -0.1% | +4.0% | -4.1 pts |
| Loan growth (YoY) | — | +5.6% | — |
| ROA | 3.40% | 1.24% | +2.2 pts |
| ROE | 3.6% | 11.9% | -8.3 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 | $141.4M | $3.0M | $0 | $133.7M | $2.4M | 3.40% | 3.60% | 0.00% |
| Q1 2026 | $139.8M | $3.0M | $0 | $132.7M | $1.4M | 3.99% | 3.32% | 0.00% |
| Q4 2025 | $140.3M | $3.0M | $0 | $131.3M | $4.0M | 2.93% | 4.33% | 0.00% |
| Q3 2025 | $139.1M | $3.0M | $0 | $130.9M | $3.6M | 3.49% | 4.21% | 0.00% |
| Q2 2025 | $137.0M | $3.0M | $0 | $129.7M | $2.4M | 3.53% | 4.33% | 0.00% |
| Q1 2025 | $135.0M | $3.0M | $0 | $128.2M | $863K | 2.54% | 3.99% | 0.00% |
| Q4 2024 | $136.6M | $3.0M | $0 | $127.3M | $5.5M | 4.16% | 5.13% | 0.00% |
| Q3 2024 | $133.6M | $3.0M | $0 | $126.0M | $4.2M | 4.21% | 5.16% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.40% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.1% | 62.9% | 4th |
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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