| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.4% | +2.2 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.3 pts |
| Loan growth (YoY) | -4.2% | +5.6% | -9.7 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 13.7% | 11.9% | +1.8 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $467.1M | $418.1M | $145.8M | $47.4M | $3.2M | 1.38% | 2.72% | 0.05% |
| Q1 2026 | $457.2M | $409.5M | $149.3M | $46.3M | $1.5M | 1.34% | 2.65% | 0.06% |
| Q4 2025 | $455.5M | $408.4M | $149.1M | $45.4M | $6.2M | 1.40% | 2.73% | 0.06% |
| Q3 2025 | $443.5M | $396.6M | $151.7M | $45.2M | $4.6M | 1.37% | 2.71% | 0.07% |
| Q2 2025 | $438.3M | $393.7M | $152.1M | $43.2M | $3.2M | 1.42% | 2.67% | 0.06% |
| Q1 2025 | $451.5M | $408.6M | $150.3M | $41.6M | $1.6M | 1.40% | 2.62% | 0.06% |
| Q4 2024 | $446.7M | $406.0M | $147.2M | $39.1M | $5.5M | 1.26% | 2.60% | 0.07% |
| Q3 2024 | $441.4M | $399.3M | $143.4M | $40.5M | $4.1M | 1.26% | 2.58% | 0.07% |
Loan mix (Q2 2026): real estate $118.1M · commercial $14.9M · consumer $1.6M · securities $68.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 62.9% | 18th |
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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