| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +4.8% | +5.6% | -0.8 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 12.2% | 11.9% | +0.3 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $271.7M | $241.1M | $164.5M | $26.9M | $1.6M | 1.20% | 3.65% | 0.00% |
| Q1 2026 | $265.5M | $235.7M | $161.0M | $26.1M | $747K | 1.12% | 3.63% | 0.00% |
| Q4 2025 | $267.6M | $238.2M | $163.3M | $26.0M | $3.2M | 1.24% | 3.55% | 0.00% |
| Q3 2025 | $257.2M | $227.0M | $162.3M | $25.6M | $2.5M | 1.30% | 3.53% | 0.00% |
| Q2 2025 | $258.7M | $229.6M | $157.0M | $24.6M | $1.6M | 1.24% | 3.47% | 0.00% |
| Q1 2025 | $259.1M | $230.9M | $152.2M | $23.8M | $787K | 1.21% | 3.45% | 0.00% |
| Q4 2024 | $259.7M | $232.8M | $148.9M | $22.7M | $2.9M | 1.19% | 3.37% | 0.00% |
| Q3 2024 | $239.8M | $211.7M | $148.7M | $23.2M | $2.1M | 1.17% | 3.37% | 0.00% |
Loan mix (Q2 2026): real estate $108.3M · commercial $10.5M · consumer $7.6M · securities $73.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 62.9% | 33th |
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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