| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.7 pts |
| Loan growth (YoY) | +6.9% | +5.6% | +1.3 pts |
| ROA | 1.63% | 1.24% | +0.4 pts |
| ROE | 12.0% | 11.9% | +0.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $147.5M | $125.8M | $77.2M | $20.5M | $1.2M | 1.63% | 3.58% | 0.00% |
| Q1 2026 | $152.3M | $131.0M | $73.9M | $20.1M | $603K | 1.61% | 3.52% | 0.00% |
| Q4 2025 | $146.8M | $125.0M | $72.8M | $20.2M | $2.5M | 1.77% | 3.62% | 0.00% |
| Q3 2025 | $139.1M | $118.2M | $70.9M | $19.5M | $1.9M | 1.83% | 3.66% | 0.00% |
| Q2 2025 | $138.6M | $117.9M | $72.2M | $19.3M | $1.2M | 1.79% | 3.65% | 0.00% |
| Q1 2025 | $138.1M | $118.1M | $72.8M | $18.7M | $566K | 1.68% | 3.65% | 0.00% |
| Q4 2024 | $131.8M | $111.3M | $74.3M | $18.2M | $2.5M | 1.82% | 3.27% | 0.00% |
| Q3 2024 | $135.1M | $115.8M | $75.2M | $17.8M | $1.9M | 1.82% | 3.20% | 0.65% |
Loan mix (Q2 2026): real estate $45.5M · commercial $6.4M · consumer $928K · securities $38.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 62.9% | 15th |
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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