| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.9% | -1.9 pts |
| Deposit growth (YoY) | +10.6% | +4.3% | +6.3 pts |
| Loan growth (YoY) | -1.3% | +5.3% | -6.6 pts |
| ROA | 0.97% | 1.28% | -0.3 pts |
| ROE | 10.0% | 12.4% | -2.4 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $547.4M | $490.6M | $179.0M | $52.5M | $2.7M | 0.97% | 2.69% | 0.65% |
| Q1 2026 | $552.2M | $495.3M | $179.1M | $51.8M | $1.4M | 1.03% | 2.67% | 0.70% |
| Q4 2025 | $541.9M | $483.4M | $179.5M | $54.6M | $3.4M | 0.64% | 2.43% | 0.68% |
| Q3 2025 | $531.5M | $456.2M | $182.4M | $54.1M | $2.5M | 0.63% | 2.34% | 0.67% |
| Q2 2025 | $531.4M | $443.4M | $181.3M | $48.2M | $1.6M | 0.60% | 2.28% | 0.57% |
| Q1 2025 | $541.3M | $454.6M | $180.6M | $48.0M | $696K | 0.51% | 2.24% | 0.47% |
| Q4 2024 | $541.3M | $454.7M | $180.0M | $43.6M | $2.3M | 0.41% | 1.93% | 0.47% |
| Q3 2024 | $558.4M | $452.9M | $180.1M | $51.7M | $1.6M | 0.37% | 1.88% | 0.45% |
Loan mix (Q2 2026): real estate $141.7M · commercial $7.2M · consumer $24.8M · securities $293.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.28% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 12.4% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.69% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 61.2% | 51th |
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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