| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.9% | -0.2 pts |
| Deposit growth (YoY) | +5.8% | +4.3% | +1.5 pts |
| Loan growth (YoY) | -1.5% | +5.3% | -6.9 pts |
| ROA | 1.71% | 1.28% | +0.4 pts |
| ROE | 12.6% | 12.4% | +0.1 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $930.5M | $798.6M | $579.6M | $126.3M | $7.8M | 1.71% | 4.22% | 0.77% |
| Q1 2026 | $909.0M | $768.5M | $595.0M | $124.2M | $3.7M | 1.64% | 4.25% | 1.01% |
| Q4 2025 | $889.6M | $751.9M | $605.6M | $121.4M | $15.5M | 1.77% | 4.34% | 1.04% |
| Q3 2025 | $886.1M | $749.5M | $607.3M | $116.4M | $9.2M | 1.40% | 4.29% | 1.02% |
| Q2 2025 | $889.1M | $754.9M | $588.7M | $117.5M | $7.3M | 1.67% | 4.24% | 0.85% |
| Q1 2025 | $858.4M | $736.2M | $562.2M | $115.1M | $3.3M | 1.55% | 4.19% | 0.85% |
| Q4 2024 | $864.5M | $746.0M | $578.6M | $112.2M | $15.7M | 1.81% | 4.20% | 0.85% |
| Q3 2024 | $867.9M | $703.8M | $557.7M | $106.8M | $11.4M | 1.74% | 4.14% | 0.11% |
Loan mix (Q2 2026): real estate $511.4M · commercial $35.6M · consumer $6.0M · securities $193.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.28% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 12.4% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 61.2% | 26th |
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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