| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.4 pts |
| Loan growth (YoY) | +3.6% | +5.6% | -1.9 pts |
| ROA | 1.08% | 1.24% | -0.2 pts |
| ROE | 9.2% | 11.9% | -2.7 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 | $243.4M | $205.5M | $129.1M | $29.5M | $1.3M | 1.08% | 3.19% | 1.50% |
| Q1 2026 | $252.6M | $212.9M | $133.0M | $29.1M | $613K | 0.98% | 3.06% | 1.44% |
| Q4 2025 | $249.3M | $210.6M | $135.9M | $28.9M | $1.8M | 0.76% | 2.73% | 1.49% |
| Q3 2025 | $240.3M | $192.2M | $127.6M | $28.3M | $1.4M | 0.77% | 2.70% | 1.52% |
| Q2 2025 | $237.7M | $200.3M | $124.5M | $27.2M | $874K | 0.73% | 2.66% | 1.53% |
| Q1 2025 | $238.2M | $202.0M | $124.1M | $26.2M | $430K | 0.72% | 2.62% | 1.53% |
| Q4 2024 | $241.9M | $200.0M | $127.2M | $25.1M | $1.5M | 0.61% | 2.40% | 1.50% |
| Q3 2024 | $240.1M | $189.4M | $119.8M | $26.0M | $1.1M | 0.61% | 2.35% | 1.52% |
Loan mix (Q2 2026): real estate $78.0M · commercial $5.7M · consumer $7.2M · securities $92.6M
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 | 9.2% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 62.9% | 37th |
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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