| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +3.0% | +8.7 pts |
| Deposit growth (YoY) | +13.3% | +2.5% | +10.8 pts |
| Loan growth (YoY) | -1.9% | +2.6% | -4.5 pts |
| ROA | 1.48% | 0.99% | +0.5 pts |
| ROE | 7.1% | 8.1% | -1.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.1M | $51.4M | $43.4M | $13.5M | $468K | 1.48% | 4.12% | 0.00% |
| Q1 2026 | $63.5M | $49.9M | $44.0M | $13.3M | $226K | 1.46% | 4.09% | 0.00% |
| Q4 2025 | $60.8M | $47.5M | $45.2M | $13.0M | $702K | 1.20% | 4.20% | 0.09% |
| Q3 2025 | $58.5M | $45.2M | $44.0M | $13.0M | $679K | 1.56% | 4.18% | 0.09% |
| Q2 2025 | $58.3M | $45.3M | $44.3M | $12.8M | $443K | 1.53% | 4.14% | 0.00% |
| Q1 2025 | $58.9M | $46.1M | $42.7M | $12.5M | $196K | 1.36% | 4.01% | 0.00% |
| Q4 2024 | $56.0M | $42.4M | $42.3M | $12.3M | $640K | 1.18% | 4.03% | 0.01% |
| Q3 2024 | $54.5M | $40.3M | $42.7M | $12.4M | $659K | 1.63% | 4.02% | 0.00% |
Loan mix (Q2 2026): real estate $39.5M · commercial $1.5M · consumer $1.0M · securities $762K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.99% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 8.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 70.8% | 19th |
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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