| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.4% | -5.7 pts |
| Deposit growth (YoY) | -2.0% | +4.0% | -6.0 pts |
| Loan growth (YoY) | -7.8% | +5.6% | -13.4 pts |
| ROA | 0.40% | 1.24% | -0.8 pts |
| ROE | 4.0% | 11.9% | -7.9 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $361.3M | $294.3M | $200.2M | $37.5M | $744K | 0.40% | 2.88% | 1.34% |
| Q1 2026 | $359.9M | $292.3M | $204.1M | $37.6M | $948K | 1.02% | 2.85% | 0.00% |
| Q4 2025 | $381.3M | $313.3M | $206.0M | $37.4M | $3.5M | 0.95% | 3.01% | 0.00% |
| Q3 2025 | $368.7M | $300.5M | $210.8M | $36.7M | $2.8M | 1.00% | 3.03% | 0.00% |
| Q2 2025 | $366.4M | $300.3M | $217.1M | $33.4M | $1.8M | 0.96% | 3.04% | 1.02% |
| Q1 2025 | $370.9M | $305.3M | $216.6M | $32.6M | $854K | 0.91% | 2.91% | 0.03% |
| Q4 2024 | $377.7M | $306.4M | $214.0M | $30.0M | $3.4M | 0.88% | 2.80% | 0.00% |
| Q3 2024 | $390.0M | $313.8M | $219.1M | $33.5M | $2.5M | 0.88% | 2.77% | 0.04% |
Loan mix (Q2 2026): real estate $182.9M · commercial $9.6M · consumer $7.1M · securities $100.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 62.9% | 63th |
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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