| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | -2.8% | +4.0% | -6.7 pts |
| Loan growth (YoY) | +7.4% | +5.6% | +1.9 pts |
| ROA | 0.62% | 1.24% | -0.6 pts |
| ROE | 3.9% | 11.9% | -8.0 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $198.9M | $157.6M | $135.3M | $32.0M | $615K | 0.62% | 4.32% | 0.71% |
| Q1 2026 | $198.5M | $161.5M | $132.2M | $31.8M | $305K | 0.61% | 4.26% | 0.58% |
| Q4 2025 | $202.1M | $161.3M | $133.1M | $31.5M | $1.2M | 0.60% | 4.19% | 0.57% |
| Q3 2025 | $198.8M | $156.6M | $131.5M | $30.9M | $851K | 0.57% | 4.23% | 0.41% |
| Q2 2025 | $197.1M | $162.1M | $125.9M | $30.0M | $534K | 0.54% | 4.20% | 0.34% |
| Q1 2025 | $197.7M | $164.0M | $125.4M | $29.8M | $250K | 0.51% | 4.11% | 0.55% |
| Q4 2024 | $197.1M | $163.4M | $124.9M | $29.5M | $840K | 0.42% | 4.12% | 0.35% |
| Q3 2024 | $197.7M | $162.8M | $124.3M | $30.4M | $648K | 0.43% | 4.15% | 0.45% |
Loan mix (Q2 2026): real estate $124.9M · commercial $7.5M · consumer $3.6M · securities $35.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 62.9% | 86th |
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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