| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.6 pts |
| Loan growth (YoY) | -1.1% | +5.6% | -6.7 pts |
| ROA | 2.58% | 1.24% | +1.3 pts |
| ROE | 14.6% | 11.9% | +2.7 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.8M | $184.7M | $122.9M | $38.9M | $2.8M | 2.58% | 4.72% | 1.12% |
| Q1 2026 | $221.7M | $181.5M | $121.3M | $39.1M | $1.4M | 2.52% | 4.74% | 0.18% |
| Q4 2025 | $213.3M | $173.4M | $125.1M | $38.7M | $5.0M | 2.41% | 4.75% | 0.32% |
| Q3 2025 | $214.2M | $175.5M | $124.9M | $37.5M | $3.8M | 2.46% | 4.69% | 0.44% |
| Q2 2025 | $208.8M | $171.8M | $124.4M | $35.9M | $2.5M | 2.45% | 4.61% | 0.49% |
| Q1 2025 | $208.8M | $171.9M | $116.9M | $35.8M | $1.2M | 2.26% | 4.55% | 0.29% |
| Q4 2024 | $201.1M | $164.9M | $120.8M | $34.9M | $5.6M | 2.82% | 5.08% | 0.27% |
| Q3 2024 | $202.1M | $166.1M | $122.1M | $34.8M | $4.3M | 2.88% | 5.16% | 0.30% |
Loan mix (Q2 2026): real estate $67.0M · commercial $26.5M · consumer $9.8M · securities $56.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.58% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.1% | 62.9% | 11th |
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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