| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +2.0% | +4.0% | -2.0 pts |
| Loan growth (YoY) | +10.0% | +5.6% | +4.4 pts |
| ROA | 1.08% | 1.24% | -0.2 pts |
| ROE | 11.2% | 11.9% | -0.7 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $219.5M | $188.3M | $156.9M | $21.9M | $1.2M | 1.08% | 4.46% | 0.06% |
| Q1 2026 | $223.4M | $191.0M | $153.2M | $21.6M | $612K | 1.08% | 4.46% | 0.06% |
| Q4 2025 | $228.0M | $196.9M | $146.1M | $21.3M | $1.6M | 0.71% | 3.84% | 0.06% |
| Q3 2025 | $222.1M | $193.8M | $146.3M | $20.5M | $1.2M | 0.71% | 3.74% | 0.06% |
| Q2 2025 | $212.3M | $184.7M | $142.6M | $19.4M | $714K | 0.67% | 3.72% | 0.01% |
| Q1 2025 | $214.5M | $188.0M | $139.4M | $18.4M | $315K | 0.59% | 3.64% | 0.01% |
| Q4 2024 | $215.8M | $190.8M | $142.3M | $17.8M | $1.1M | 0.50% | 3.12% | 0.01% |
| Q3 2024 | $211.8M | $182.1M | $139.9M | $18.1M | $551K | 0.35% | 2.96% | 0.01% |
Loan mix (Q2 2026): real estate $132.5M · commercial $17.2M · consumer $6.1M · securities $39.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 62.9% | 62th |
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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