| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +4.9% | -2.9 pts |
| Deposit growth (YoY) | +2.7% | +4.3% | -1.6 pts |
| Loan growth (YoY) | -1.1% | +5.3% | -6.4 pts |
| ROA | 1.79% | 1.28% | +0.5 pts |
| ROE | 9.4% | 12.4% | -3.1 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $668.2M | $533.3M | $448.0M | $130.2M | $6.0M | 1.79% | 4.94% | 2.47% |
| Q1 2026 | $664.1M | $531.6M | $439.1M | $128.0M | $2.8M | 1.70% | 4.78% | 2.82% |
| Q4 2025 | $668.7M | $528.8M | $431.3M | $125.3M | $12.1M | 1.82% | 4.97% | 2.63% |
| Q3 2025 | $668.0M | $520.7M | $462.4M | $123.4M | $9.6M | 1.93% | 5.05% | 1.38% |
| Q2 2025 | $654.8M | $519.3M | $453.0M | $120.1M | $6.4M | 1.94% | 5.04% | 1.26% |
| Q1 2025 | $667.2M | $533.2M | $435.6M | $117.5M | $3.1M | 1.86% | 4.88% | 0.41% |
| Q4 2024 | $661.2M | $531.6M | $416.5M | $114.3M | $11.7M | 1.86% | 5.22% | 0.34% |
| Q3 2024 | $647.8M | $519.6M | $446.4M | $112.5M | $9.4M | 2.01% | 5.31% | 0.79% |
Loan mix (Q2 2026): real estate $284.5M · commercial $43.0M · consumer $9.5M · securities $112.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.28% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.94% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.4% | 61.2% | 22th |
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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