| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +5.5% | +5.3 pts |
| Deposit growth (YoY) | +8.2% | +5.1% | +3.1 pts |
| Loan growth (YoY) | +12.0% | +5.9% | +6.1 pts |
| ROA | 1.68% | 1.26% | +0.4 pts |
| ROE | 17.4% | 12.2% | +5.2 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.39B | $2.96B | $2.84B | $333.0M | $27.8M | 1.68% | 4.03% | 0.40% |
| Q1 2026 | $3.30B | $2.96B | $2.78B | $319.1M | $12.2M | 1.49% | 3.87% | 0.34% |
| Q4 2025 | $3.24B | $2.85B | $2.72B | $307.9M | $42.4M | 1.38% | 3.80% | 0.32% |
| Q3 2025 | $3.15B | $2.80B | $2.64B | $304.9M | $30.1M | 1.32% | 3.76% | 0.36% |
| Q2 2025 | $3.06B | $2.74B | $2.54B | $291.0M | $18.9M | 1.26% | 3.72% | 0.41% |
| Q1 2025 | $3.00B | $2.70B | $2.43B | $280.2M | $8.7M | 1.17% | 3.64% | 0.49% |
| Q4 2024 | $2.92B | $2.63B | $2.39B | $267.9M | $32.6M | 1.12% | 3.25% | 0.43% |
| Q3 2024 | $2.90B | $2.62B | $2.33B | $269.2M | $22.5M | 1.03% | 3.14% | 0.60% |
Loan mix (Q2 2026): real estate $2.29B · commercial $359.1M · consumer $24.9M · securities $308.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 1.26% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.2% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 59.0% | 36th |
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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