| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | -1.2% | +4.0% | -5.1 pts |
| Loan growth (YoY) | -2.3% | +5.6% | -7.8 pts |
| ROA | 1.92% | 1.24% | +0.7 pts |
| ROE | 17.4% | 11.9% | +5.5 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $274.5M | $229.0M | $109.4M | $31.5M | $2.7M | 1.92% | 3.67% | 0.18% |
| Q1 2026 | $279.4M | $235.4M | $112.9M | $30.1M | $1.3M | 1.82% | 3.62% | 0.24% |
| Q4 2025 | $277.4M | $213.9M | $119.8M | $30.4M | $4.8M | 1.76% | 3.64% | 0.21% |
| Q3 2025 | $277.5M | $232.5M | $112.2M | $30.9M | $3.9M | 1.94% | 3.59% | 0.16% |
| Q2 2025 | $274.3M | $231.7M | $111.9M | $28.9M | $2.6M | 1.92% | 3.54% | 0.16% |
| Q1 2025 | $271.2M | $230.3M | $112.1M | $27.2M | $1.1M | 1.67% | 3.47% | 0.19% |
| Q4 2024 | $258.2M | $200.8M | $115.3M | $25.9M | $4.5M | 1.79% | 3.69% | 0.16% |
| Q3 2024 | $258.7M | $216.1M | $109.1M | $29.2M | $3.6M | 1.95% | 3.70% | 0.23% |
Loan mix (Q2 2026): real estate $69.7M · commercial $24.9M · consumer $12.5M · securities $142.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.9% | 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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