| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.9% | -3.3 pts |
| Deposit growth (YoY) | +0.4% | +4.3% | -4.0 pts |
| Loan growth (YoY) | -1.3% | +5.3% | -6.6 pts |
| ROA | 1.05% | 1.28% | -0.2 pts |
| ROE | 8.2% | 12.4% | -4.2 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $689.3M | $595.5M | $213.5M | $90.8M | $3.7M | 1.05% | 3.25% | 0.61% |
| Q1 2026 | $724.4M | $631.0M | $214.8M | $90.5M | $1.7M | 0.96% | 3.19% | 0.58% |
| Q4 2025 | $706.7M | $615.0M | $217.5M | $89.1M | $6.7M | 0.95% | 3.19% | 0.77% |
| Q3 2025 | $694.8M | $602.7M | $217.5M | $89.0M | $4.7M | 0.90% | 3.16% | 0.54% |
| Q2 2025 | $678.5M | $593.3M | $216.3M | $82.1M | $3.4M | 0.96% | 3.19% | 0.21% |
| Q1 2025 | $720.7M | $633.5M | $218.1M | $84.3M | $1.6M | 0.89% | 3.12% | 0.25% |
| Q4 2024 | $704.4M | $622.1M | $216.6M | $79.8M | $7.6M | 1.07% | 3.24% | 0.30% |
| Q3 2024 | $689.5M | $597.4M | $213.0M | $89.0M | $5.7M | 1.08% | 3.23% | 0.13% |
Loan mix (Q2 2026): real estate $100.4M · commercial $16.7M · consumer $20.1M · securities $407.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.28% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 12.4% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 61.2% | 70th |
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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