| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.1% | +4.4% | +7.7 pts |
| Deposit growth (YoY) | +8.7% | +4.0% | +4.8 pts |
| Loan growth (YoY) | +3.3% | +5.6% | -2.3 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 22.8% | 11.9% | +11.0 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $139.9M | $129.6M | $65.0M | $8.2M | $936K | 1.35% | 3.84% | 0.24% |
| Q1 2026 | $139.7M | $131.1M | $64.0M | $8.3M | $495K | 1.43% | 3.78% | 0.23% |
| Q4 2025 | $137.6M | $128.5M | $63.8M | $8.1M | $1.0M | 0.79% | 3.62% | 0.28% |
| Q3 2025 | $131.6M | $124.0M | $64.2M | $7.5M | $966K | 1.01% | 3.56% | 0.21% |
| Q2 2025 | $124.8M | $119.2M | $62.9M | $5.4M | $611K | 0.97% | 3.53% | 0.12% |
| Q1 2025 | $127.2M | $119.8M | $61.8M | $5.6M | $323K | 1.02% | 3.48% | 0.11% |
| Q4 2024 | $125.5M | $120.5M | $59.8M | $4.9M | $764K | 0.60% | 3.21% | 0.12% |
| Q3 2024 | $123.6M | $116.7M | $59.1M | $6.7M | $750K | 0.79% | 3.17% | 0.13% |
Loan mix (Q2 2026): real estate $41.8M · commercial $11.5M · consumer $7.8M · securities $68.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 22.8% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 62.9% | 63th |
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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