| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +5.5% | -6.8 pts |
| Deposit growth (YoY) | -2.4% | +5.1% | -7.5 pts |
| Loan growth (YoY) | -5.8% | +5.9% | -11.8 pts |
| ROA | 0.93% | 1.26% | -0.3 pts |
| ROE | 6.9% | 12.2% | -5.3 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.44B | $2.09B | $487.9M | $336.2M | $11.5M | 0.93% | 2.71% | 0.06% |
| Q1 2026 | $2.47B | $2.13B | $493.0M | $331.9M | $5.8M | 0.94% | 2.71% | 0.04% |
| Q4 2025 | $2.47B | $2.14B | $503.7M | $327.8M | $23.9M | 0.97% | 2.68% | 0.08% |
| Q3 2025 | $2.48B | $2.15B | $513.1M | $323.2M | $17.9M | 0.97% | 2.70% | 0.05% |
| Q2 2025 | $2.47B | $2.14B | $518.2M | $318.2M | $11.7M | 0.96% | 2.67% | 0.04% |
| Q1 2025 | $2.45B | $2.13B | $518.7M | $313.8M | $5.7M | 0.93% | 2.64% | 0.03% |
| Q4 2024 | $2.40B | $2.08B | $523.0M | $309.3M | $21.0M | 0.87% | 2.52% | 0.05% |
| Q3 2024 | $2.41B | $2.09B | $531.4M | $306.1M | $15.0M | 0.83% | 2.48% | 0.05% |
Loan mix (Q2 2026): real estate $493.5M · commercial $0 · consumer $21K · securities $1.35B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.26% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 12.2% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 59.0% | 47th |
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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