| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.4% | +4.4% | +19.0 pts |
| Deposit growth (YoY) | +27.2% | +4.0% | +23.2 pts |
| Loan growth (YoY) | +15.6% | +5.6% | +10.0 pts |
| ROA | -0.23% | 1.24% | -1.5 pts |
| ROE | -2.3% | 11.9% | -14.1 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $260.9M | $232.4M | $197.2M | $26.2M | $-296K | -0.23% | 2.96% | 1.17% |
| Q1 2026 | $246.1M | $216.7M | $197.5M | $26.3M | $-123K | -0.20% | 3.00% | 0.64% |
| Q4 2025 | $253.3M | $224.3M | $192.5M | $26.5M | $-762K | -0.35% | 3.33% | 0.19% |
| Q3 2025 | $229.8M | $200.6M | $187.0M | $26.6M | $-369K | -0.23% | 3.35% | 0.13% |
| Q2 2025 | $211.5M | $182.8M | $170.6M | $26.3M | $-396K | -0.39% | 3.15% | 0.00% |
| Q1 2025 | $207.2M | $178.8M | $162.0M | $26.2M | $-187K | -0.37% | 3.03% | 0.11% |
| Q4 2024 | $195.8M | $166.8M | $154.5M | $26.1M | $581K | 0.35% | 3.31% | 0.00% |
| Q3 2024 | $176.6M | $147.7M | $142.7M | $25.9M | $613K | 0.52% | 3.32% | 0.00% |
Loan mix (Q2 2026): real estate $159.5M · commercial $39.6M · consumer $250K · securities $12.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -2.3% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.3% | 62.9% | 97th |
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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