| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +2.0% | +4.0% | -2.0 pts |
| Loan growth (YoY) | +5.0% | +5.6% | -0.5 pts |
| ROA | 0.82% | 1.24% | -0.4 pts |
| ROE | 8.3% | 11.9% | -3.5 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $226.4M | $202.8M | $162.9M | $22.1M | $913K | 0.82% | 4.12% | 0.05% |
| Q1 2026 | $223.8M | $200.4M | $165.2M | $22.0M | $425K | 0.77% | 3.99% | 0.05% |
| Q4 2025 | $220.6M | $197.5M | $164.8M | $21.6M | $1.8M | 0.83% | 4.06% | 0.22% |
| Q3 2025 | $225.2M | $202.2M | $161.5M | $21.4M | $1.4M | 0.85% | 4.00% | 0.20% |
| Q2 2025 | $221.1M | $198.8M | $155.1M | $20.8M | $877K | 0.80% | 3.93% | 0.72% |
| Q1 2025 | $216.1M | $194.1M | $154.3M | $20.5M | $486K | 0.89% | 3.90% | 0.40% |
| Q4 2024 | $219.0M | $197.6M | $157.3M | $20.0M | $1.7M | 0.78% | 3.81% | 0.63% |
| Q3 2024 | $217.0M | $195.8M | $157.1M | $19.6M | $1.3M | 0.80% | 3.79% | 0.51% |
Loan mix (Q2 2026): real estate $149.7M · commercial $9.6M · consumer $5.5M · securities $14.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 62.9% | 74th |
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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