| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +6.3% | +4.0% | +2.4 pts |
| Loan growth (YoY) | +2.0% | +5.6% | -3.6 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 12.5% | 11.9% | +0.6 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $104.4M | $92.5M | $29.4M | $11.8M | $731K | 1.41% | 3.24% | 0.21% |
| Q1 2026 | $101.3M | $89.7M | $29.9M | $11.4M | $349K | 1.35% | 3.24% | 0.26% |
| Q4 2025 | $105.4M | $93.4M | $29.8M | $11.9M | $1.2M | 1.25% | 3.30% | 0.30% |
| Q3 2025 | $99.2M | $87.1M | $28.6M | $11.9M | $1.0M | 1.41% | 3.35% | 0.13% |
| Q2 2025 | $97.7M | $87.0M | $28.8M | $10.5M | $673K | 1.37% | 3.35% | 0.21% |
| Q1 2025 | $97.7M | $87.1M | $29.3M | $10.4M | $332K | 1.35% | 3.26% | 0.35% |
| Q4 2024 | $98.6M | $89.5M | $30.5M | $9.0M | $1.1M | 1.15% | 3.31% | 0.20% |
| Q3 2024 | $99.8M | $88.3M | $31.6M | $11.2M | $979K | 1.34% | 3.30% | 0.21% |
Loan mix (Q2 2026): real estate $15.9M · commercial $5.0M · consumer $5.7M · securities $63.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 62.9% | 39th |
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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