| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.8% | +3.0% | -13.8 pts |
| Deposit growth (YoY) | -11.5% | +2.5% | -14.0 pts |
| Loan growth (YoY) | -23.0% | +2.6% | -25.6 pts |
| ROA | -0.55% | 0.99% | -1.5 pts |
| ROE | -6.3% | 8.1% | -14.3 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68.2M | $61.9M | $14.9M | $6.1M | $-197K | -0.55% | 3.99% | 0.59% |
| Q1 2026 | $73.0M | $66.6M | $16.5M | $6.2M | $-171K | -0.93% | 3.93% | 0.44% |
| Q4 2025 | $73.7M | $66.9M | $17.1M | $6.5M | $650K | 0.88% | 3.87% | 0.42% |
| Q3 2025 | $69.1M | $62.4M | $19.3M | $6.4M | $507K | 0.91% | 3.85% | 0.46% |
| Q2 2025 | $76.5M | $70.0M | $19.4M | $6.3M | $370K | 0.97% | 3.76% | 0.50% |
| Q1 2025 | $78.0M | $71.6M | $19.3M | $6.3M | $159K | 0.84% | 3.65% | 0.45% |
| Q4 2024 | $73.3M | $67.1M | $18.6M | $6.0M | $700K | 0.94% | 3.56% | 0.51% |
| Q3 2024 | $72.5M | $65.8M | $19.8M | $6.4M | $521K | 0.93% | 3.48% | 0.52% |
Loan mix (Q2 2026): real estate $5.9M · commercial $6.3M · consumer $1.4M · securities $39.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.55% | 0.99% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -6.3% | 8.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.7% | 70.8% | 91st |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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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