| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.0% | +0.0 pts |
| Deposit growth (YoY) | +3.1% | +2.5% | +0.6 pts |
| Loan growth (YoY) | +3.1% | +2.6% | +0.5 pts |
| ROA | 1.08% | 0.99% | +0.1 pts |
| ROE | 8.1% | 8.1% | +0.0 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.3M | $25.3M | $13.1M | $3.9M | $159K | 1.08% | 3.86% | 0.00% |
| Q1 2026 | $30.6M | $26.5M | $13.1M | $4.0M | $91K | 1.24% | 3.76% | 0.00% |
| Q4 2025 | $28.1M | $24.2M | $13.3M | $3.9M | $340K | 1.21% | 4.19% | 0.00% |
| Q3 2025 | $27.4M | $23.5M | $13.0M | $3.9M | $291K | 1.37% | 4.21% | 0.00% |
| Q2 2025 | $28.4M | $24.6M | $12.7M | $3.8M | $216K | 1.52% | 4.22% | 0.00% |
| Q1 2025 | $29.3M | $25.3M | $12.3M | $3.9M | $123K | 1.72% | 4.21% | 0.00% |
| Q4 2024 | $27.8M | $24.0M | $12.5M | $3.8M | $410K | 1.46% | 4.41% | 0.00% |
| Q3 2024 | $27.6M | $23.8M | $12.4M | $3.7M | $342K | 1.62% | 4.38% | 0.00% |
Loan mix (Q2 2026): real estate $11.8M · commercial $64K · consumer $1.1M · securities $5.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.99% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 8.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 70.8% | 50th |
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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