| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.9 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.8 pts |
| ROA | 1.00% | 1.24% | -0.2 pts |
| ROE | 7.2% | 11.9% | -4.6 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.5M | $102.7M | $78.4M | $17.1M | $617K | 1.00% | 3.48% | 0.00% |
| Q1 2026 | $123.9M | $104.4M | $79.4M | $16.9M | $286K | 0.93% | 3.39% | 0.00% |
| Q4 2025 | $123.1M | $101.7M | $78.2M | $17.1M | $1.1M | 0.93% | 3.36% | 0.00% |
| Q3 2025 | $121.0M | $100.0M | $75.5M | $16.8M | $838K | 0.91% | 3.36% | 0.00% |
| Q2 2025 | $121.2M | $100.6M | $77.8M | $16.5M | $551K | 0.90% | 3.32% | 0.00% |
| Q1 2025 | $123.6M | $103.3M | $78.9M | $16.1M | $254K | 0.82% | 3.24% | 0.00% |
| Q4 2024 | $123.7M | $105.0M | $81.0M | $16.0M | $1.0M | 0.83% | 3.08% | 0.00% |
| Q3 2024 | $119.9M | $100.3M | $79.9M | $16.1M | $714K | 0.78% | 3.07% | 0.04% |
Loan mix (Q2 2026): real estate $61.8M · commercial $9.5M · consumer $760K · securities $33.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 62.9% | 49th |
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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