| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | +1.1% | +4.0% | -2.8 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.8 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 17.0% | 11.9% | +5.1 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $416.4M | $336.3M | $189.9M | $26.4M | $2.2M | 1.06% | 3.13% | 0.24% |
| Q1 2026 | $418.4M | $338.2M | $189.9M | $25.9M | $1.1M | 1.01% | 3.08% | 0.20% |
| Q4 2025 | $417.9M | $335.7M | $190.6M | $25.7M | $3.7M | 0.91% | 2.97% | 0.16% |
| Q3 2025 | $411.3M | $329.2M | $189.2M | $24.8M | $2.7M | 0.90% | 2.94% | 0.22% |
| Q2 2025 | $413.2M | $332.6M | $188.4M | $22.8M | $1.7M | 0.83% | 2.86% | 0.05% |
| Q1 2025 | $409.3M | $332.9M | $184.3M | $23.3M | $820K | 0.82% | 2.82% | 0.16% |
| Q4 2024 | $390.9M | $319.5M | $185.6M | $21.0M | $3.0M | 0.75% | 2.58% | 0.26% |
| Q3 2024 | $391.5M | $319.0M | $182.2M | $21.5M | $2.2M | 0.74% | 2.55% | 0.25% |
Loan mix (Q2 2026): real estate $157.9M · commercial $7.3M · consumer $7.5M · securities $198.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 62.9% | 66th |
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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