| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +3.0% | -4.3 pts |
| Deposit growth (YoY) | -3.3% | +2.5% | -5.8 pts |
| Loan growth (YoY) | -1.1% | +2.6% | -3.7 pts |
| ROA | 1.20% | 0.99% | +0.2 pts |
| ROE | 11.3% | 8.1% | +3.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.9M | $32.7M | $15.4M | $4.0M | $220K | 1.20% | 3.59% | 0.89% |
| Q1 2026 | $38.3M | $34.4M | $14.7M | $3.8M | $87K | 0.96% | 3.42% | 0.00% |
| Q4 2025 | $34.5M | $30.5M | $15.8M | $3.9M | $306K | 0.88% | 3.36% | 0.00% |
| Q3 2025 | $34.1M | $30.2M | $15.5M | $3.7M | $275K | 1.05% | 3.35% | 0.00% |
| Q2 2025 | $37.4M | $33.8M | $15.6M | $3.4M | $179K | 1.01% | 3.27% | 0.00% |
| Q1 2025 | $34.8M | $31.5M | $15.0M | $3.2M | $83K | 0.97% | 3.27% | 0.00% |
| Q4 2024 | $33.9M | $30.8M | $15.8M | $3.0M | $239K | 0.71% | 3.18% | 0.00% |
| Q3 2024 | $33.5M | $30.1M | $15.0M | $3.3M | $165K | 0.65% | 3.16% | 0.01% |
Loan mix (Q2 2026): real estate $9.7M · commercial $876K · consumer $1.0M · securities $10.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.99% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 8.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 70.8% | 35th |
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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