| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | +4.6% | +5.6% | -1.0 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 4.3% | 11.9% | -7.6 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.3M | $103.5M | $107.2M | $33.4M | $711K | 1.03% | 3.84% | 0.00% |
| Q1 2026 | $139.8M | $106.4M | $106.1M | $33.0M | $313K | 0.90% | 3.72% | 0.00% |
| Q4 2025 | $137.7M | $104.7M | $106.0M | $32.7M | $1.3M | 0.97% | 3.62% | 0.02% |
| Q3 2025 | $137.5M | $104.9M | $103.3M | $32.3M | $952K | 0.92% | 3.56% | 0.00% |
| Q2 2025 | $138.0M | $100.9M | $102.5M | $32.0M | $630K | 0.91% | 3.50% | 0.02% |
| Q1 2025 | $137.7M | $105.9M | $99.1M | $31.6M | $286K | 0.83% | 3.48% | 0.07% |
| Q4 2024 | $138.4M | $106.9M | $96.4M | $31.3M | $1.1M | 0.77% | 3.21% | 0.05% |
| Q3 2024 | $136.0M | $104.8M | $93.9M | $31.0M | $730K | 0.71% | 3.16% | 0.05% |
Loan mix (Q2 2026): real estate $104.8M · commercial $268K · consumer $3.2M · securities $11.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 62.9% | 59th |
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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