| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | -1.0% | +4.0% | -5.0 pts |
| Loan growth (YoY) | +15.2% | +5.6% | +9.6 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 15.1% | 11.9% | +3.2 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.4M | $124.5M | $69.2M | $11.6M | $841K | 1.21% | 4.04% | 1.02% |
| Q1 2026 | $139.3M | $125.4M | $65.4M | $11.3M | $444K | 1.28% | 3.96% | 0.91% |
| Q4 2025 | $137.8M | $124.2M | $64.3M | $10.7M | $3.7M | 2.71% | 4.01% | 0.85% |
| Q3 2025 | $139.5M | $120.6M | $62.6M | $12.0M | $3.3M | 3.22% | 3.95% | 0.71% |
| Q2 2025 | $137.0M | $125.8M | $60.1M | $9.9M | $2.9M | 4.26% | 3.90% | 0.78% |
| Q1 2025 | $136.1M | $126.0M | $57.0M | $8.8M | $385K | 1.12% | 3.76% | 0.62% |
| Q4 2024 | $137.9M | $127.7M | $56.3M | $9.1M | $1.5M | 1.08% | 3.63% | 0.63% |
| Q3 2024 | $137.2M | $118.6M | $55.3M | $11.1M | $1.1M | 1.08% | 3.64% | 0.79% |
Loan mix (Q2 2026): real estate $62.9M · commercial $823K · consumer $5.8M · securities $60.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 62.9% | 46th |
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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