| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.9% | -5.0 pts |
| Deposit growth (YoY) | -1.1% | +4.3% | -5.5 pts |
| Loan growth (YoY) | -3.5% | +5.3% | -8.8 pts |
| ROA | 1.70% | 1.28% | +0.4 pts |
| ROE | 16.9% | 12.4% | +4.5 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $545.2M | $469.4M | $484.1M | $56.2M | $4.7M | 1.70% | 3.92% | 1.83% |
| Q1 2026 | $549.3M | $472.8M | $484.4M | $56.3M | $2.3M | 1.66% | 3.85% | 1.41% |
| Q4 2025 | $565.8M | $489.8M | $502.6M | $54.5M | $8.6M | 1.56% | 3.73% | 1.22% |
| Q3 2025 | $545.4M | $464.9M | $501.2M | $52.3M | $6.1M | 1.49% | 3.64% | 1.53% |
| Q2 2025 | $545.5M | $474.9M | $501.6M | $51.1M | $3.9M | 1.42% | 3.54% | 1.32% |
| Q1 2025 | $540.7M | $469.2M | $488.8M | $50.2M | $1.7M | 1.23% | 3.42% | 1.30% |
| Q4 2024 | $558.9M | $482.1M | $496.9M | $48.9M | $5.1M | 0.93% | 3.25% | 1.05% |
| Q3 2024 | $546.1M | $459.6M | $499.7M | $47.4M | $3.6M | 0.89% | 3.23% | 1.49% |
Loan mix (Q2 2026): real estate $366.0M · commercial $63.2M · consumer $10.3M · securities $3.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.28% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 12.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 61.2% | 42th |
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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