| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.9% | +1.3 pts |
| Deposit growth (YoY) | -1.9% | +4.3% | -6.2 pts |
| Loan growth (YoY) | +23.2% | +5.3% | +17.9 pts |
| ROA | 1.85% | 1.28% | +0.6 pts |
| ROE | 10.5% | 12.4% | -1.9 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $525.2M | $355.3M | $388.1M | $93.0M | $4.8M | 1.85% | 3.85% | 0.00% |
| Q1 2026 | $511.4M | $370.1M | $364.8M | $90.9M | $2.2M | 1.72% | 3.76% | 0.00% |
| Q4 2025 | $513.3M | $379.1M | $346.3M | $88.7M | $8.0M | 1.58% | 3.45% | 0.00% |
| Q3 2025 | $491.4M | $357.9M | $327.6M | $87.0M | $5.9M | 1.55% | 3.38% | 0.00% |
| Q2 2025 | $494.5M | $362.2M | $314.9M | $84.8M | $3.8M | 1.49% | 3.27% | 0.00% |
| Q1 2025 | $515.9M | $380.2M | $314.0M | $83.2M | $1.7M | 1.35% | 3.16% | 0.00% |
| Q4 2024 | $516.4M | $382.8M | $325.9M | $81.4M | $5.5M | 1.20% | 2.96% | 0.00% |
| Q3 2024 | $465.2M | $322.9M | $291.1M | $80.3M | $3.9M | 1.16% | 2.92% | 0.00% |
Loan mix (Q2 2026): real estate $353.6M · commercial $30.0M · consumer $3.8M · securities $99.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.28% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 12.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.1% | 61.2% | 13th |
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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