| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +3.7% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.5 pts |
| ROA | 1.72% | 1.24% | +0.5 pts |
| ROE | 12.8% | 11.9% | +1.0 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $443.3M | $379.4M | $333.8M | $60.6M | $3.8M | 1.72% | 5.32% | 0.58% |
| Q1 2026 | $427.5M | $365.7M | $328.2M | $58.6M | $1.8M | 1.63% | 5.21% | 0.43% |
| Q4 2025 | $446.8M | $387.3M | $326.2M | $56.8M | $6.2M | 1.46% | 5.09% | 0.26% |
| Q3 2025 | $457.3M | $398.3M | $329.6M | $55.3M | $4.6M | 1.48% | 5.06% | 0.31% |
| Q2 2025 | $422.3M | $365.9M | $306.1M | $53.8M | $3.1M | 1.54% | 5.11% | 0.30% |
| Q1 2025 | $396.1M | $340.6M | $304.5M | $53.1M | $1.5M | 1.56% | 5.13% | 0.23% |
| Q4 2024 | $383.0M | $329.3M | $296.5M | $51.9M | $5.6M | 1.50% | 5.31% | 0.00% |
| Q3 2024 | $377.0M | $324.2M | $297.9M | $50.3M | $4.0M | 1.44% | 5.20% | 0.12% |
Loan mix (Q2 2026): real estate $319.0M · commercial $17.7M · consumer $0 · securities $64K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 62.9% | 22th |
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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