| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.5 pts |
| Loan growth (YoY) | +1.2% | +5.6% | -4.4 pts |
| ROA | 2.05% | 1.24% | +0.8 pts |
| ROE | 14.8% | 11.9% | +2.9 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $170.7M | $145.6M | $58.3M | $24.4M | $1.8M | 2.05% | 4.22% | 0.07% |
| Q1 2026 | $172.1M | $147.6M | $62.0M | $23.7M | $847K | 1.96% | 4.19% | 0.08% |
| Q4 2025 | $172.8M | $148.5M | $64.5M | $23.3M | $3.4M | 2.03% | 4.28% | 0.10% |
| Q3 2025 | $159.8M | $136.8M | $62.2M | $22.3M | $2.6M | 2.10% | 4.32% | 0.11% |
| Q2 2025 | $168.8M | $146.5M | $57.6M | $21.7M | $1.7M | 2.05% | 4.26% | 0.12% |
| Q1 2025 | $168.9M | $147.0M | $56.9M | $21.1M | $812K | 1.92% | 4.22% | 0.09% |
| Q4 2024 | $169.9M | $149.7M | $54.3M | $19.5M | $3.2M | 1.94% | 4.15% | 0.10% |
| Q3 2024 | $160.9M | $139.7M | $49.9M | $20.3M | $2.4M | 1.95% | 4.14% | 0.12% |
Loan mix (Q2 2026): real estate $53.7M · commercial $2.5M · consumer $2.5M · securities $75.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.0% | 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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