| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +4.4% | -9.3 pts |
| Deposit growth (YoY) | -2.9% | +4.0% | -6.9 pts |
| Loan growth (YoY) | -9.4% | +5.6% | -15.0 pts |
| ROA | 0.10% | 1.24% | -1.1 pts |
| ROE | 0.5% | 11.9% | -11.4 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $222.1M | $178.3M | $193.6M | $41.2M | $105K | 0.10% | 2.96% | 0.00% |
| Q1 2026 | $220.0M | $176.4M | $196.9M | $41.2M | $53K | 0.10% | 2.99% | 0.00% |
| Q4 2025 | $221.1M | $175.6M | $198.0M | $41.1M | $-1.3M | -0.58% | 2.70% | 0.00% |
| Q3 2025 | $228.1M | $182.2M | $208.3M | $41.0M | $-1.5M | -0.84% | 2.63% | 0.00% |
| Q2 2025 | $233.7M | $183.7M | $213.7M | $41.0M | $-1.4M | -1.23% | 2.60% | 0.00% |
| Q1 2025 | $237.4M | $185.8M | $216.4M | $42.0M | $-451K | -0.77% | 2.58% | 0.00% |
| Q4 2024 | $230.6M | $180.7M | $209.9M | $42.5M | $-496K | -0.22% | 2.42% | 0.00% |
| Q3 2024 | $228.6M | $179.6M | $207.5M | $42.6M | $-383K | -0.22% | 2.41% | 0.00% |
Loan mix (Q2 2026): real estate $195.1M · commercial $0 · consumer $0 · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 11.9% | 4th | |
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 | 96.7% | 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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