| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +5.5% | +0.8 pts |
| Deposit growth (YoY) | +4.3% | +5.1% | -0.8 pts |
| Loan growth (YoY) | +7.0% | +5.9% | +1.1 pts |
| ROA | 0.96% | 1.26% | -0.3 pts |
| ROE | 8.9% | 12.2% | -3.3 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.39B | $1.96B | $1.90B | $258.7M | $11.3M | 0.96% | 3.92% | 1.75% |
| Q1 2026 | $2.32B | $1.96B | $1.85B | $254.1M | $5.4M | 0.93% | 3.81% | 1.79% |
| Q4 2025 | $2.31B | $1.93B | $1.82B | $250.2M | $18.9M | 0.84% | 3.66% | 1.78% |
| Q3 2025 | $2.28B | $1.86B | $1.80B | $243.8M | $12.7M | 0.76% | 3.60% | 2.05% |
| Q2 2025 | $2.24B | $1.88B | $1.77B | $239.3M | $7.5M | 0.68% | 3.44% | 1.61% |
| Q1 2025 | $2.20B | $1.89B | $1.75B | $235.5M | $3.6M | 0.66% | 3.33% | 1.64% |
| Q4 2024 | $2.22B | $1.93B | $1.76B | $231.3M | $12.1M | 0.54% | 3.03% | 1.59% |
| Q3 2024 | $2.24B | $1.92B | $1.77B | $231.0M | $8.0M | 0.48% | 2.98% | 1.45% |
Loan mix (Q2 2026): real estate $1.24B · commercial $312.5M · consumer $40.9M · securities $263.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.26% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.2% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 59.0% | 68th |
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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