| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | -2.7% | +4.0% | -6.7 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 1.19% | 1.24% | -0.0 pts |
| ROE | 10.3% | 11.9% | -1.5 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $343.5M | $301.1M | $231.9M | $40.4M | $2.0M | 1.19% | 4.06% | 0.00% |
| Q1 2026 | $343.0M | $302.2M | $228.3M | $39.1M | $1.0M | 1.18% | 4.10% | 0.00% |
| Q4 2025 | $335.9M | $285.5M | $227.6M | $38.6M | $3.9M | 1.13% | 3.79% | 0.02% |
| Q3 2025 | $338.8M | $299.3M | $223.3M | $37.4M | $2.9M | 1.13% | 3.70% | 0.02% |
| Q2 2025 | $347.6M | $309.6M | $223.5M | $36.0M | $1.9M | 1.08% | 3.52% | 0.05% |
| Q1 2025 | $361.6M | $317.9M | $217.8M | $35.2M | $698K | 0.79% | 3.32% | 0.02% |
| Q4 2024 | $342.1M | $296.0M | $219.5M | $34.3M | $3.1M | 0.92% | 3.47% | 1.00% |
| Q3 2024 | $341.2M | $298.2M | $225.1M | $35.1M | $2.3M | 0.89% | 3.44% | 0.13% |
Loan mix (Q2 2026): real estate $207.0M · commercial $22.9M · consumer $4.2M · securities $76.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 62.9% | 54th |
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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