| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.9% | -2.5 pts |
| Deposit growth (YoY) | +1.2% | +4.3% | -3.1 pts |
| Loan growth (YoY) | +2.4% | +5.3% | -3.0 pts |
| ROA | 1.94% | 1.28% | +0.7 pts |
| ROE | 17.6% | 12.4% | +5.1 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 | $580.4M | $504.2M | $345.2M | $63.5M | $5.6M | 1.94% | 4.16% | 0.81% |
| Q1 2026 | $575.6M | $504.9M | $349.3M | $63.0M | $2.7M | 1.88% | 4.11% | 0.84% |
| Q4 2025 | $564.0M | $492.7M | $345.3M | $63.8M | $8.9M | 1.58% | 3.85% | 0.96% |
| Q3 2025 | $564.6M | $494.2M | $338.2M | $62.4M | $6.3M | 1.50% | 3.70% | 1.06% |
| Q2 2025 | $566.8M | $498.1M | $337.2M | $60.9M | $4.1M | 1.46% | 3.63% | 1.02% |
| Q1 2025 | $562.2M | $495.3M | $349.3M | $59.2M | $2.0M | 1.42% | 3.59% | 1.05% |
| Q4 2024 | $549.8M | $480.2M | $342.1M | $56.9M | $6.4M | 1.13% | 3.25% | 0.83% |
| Q3 2024 | $559.5M | $480.6M | $342.9M | $59.4M | $4.8M | 1.12% | 3.20% | 0.86% |
Loan mix (Q2 2026): real estate $308.1M · commercial $18.4M · consumer $11.9M · securities $182.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.28% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 12.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.7% | 61.2% | 31th |
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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