| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +5.5% | +2.3 pts |
| Deposit growth (YoY) | +11.8% | +5.1% | +6.7 pts |
| Loan growth (YoY) | +9.0% | +5.9% | +3.1 pts |
| ROA | 1.11% | 1.26% | -0.2 pts |
| ROE | 9.9% | 12.2% | -2.3 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.07B | $2.65B | $2.17B | $341.4M | $16.6M | 1.11% | 4.21% | 1.65% |
| Q1 2026 | $3.01B | $2.65B | $2.07B | $333.5M | $6.8M | 0.91% | 4.09% | 1.55% |
| Q4 2025 | $2.91B | $2.55B | $2.03B | $331.9M | $32.0M | 1.10% | 4.04% | 1.89% |
| Q3 2025 | $2.97B | $2.43B | $2.02B | $324.3M | $24.0M | 1.10% | 4.01% | 1.53% |
| Q2 2025 | $2.85B | $2.37B | $1.99B | $315.7M | $16.1M | 1.12% | 3.97% | 1.60% |
| Q1 2025 | $2.91B | $2.39B | $1.98B | $308.9M | $7.8M | 1.08% | 3.85% | 1.55% |
| Q4 2024 | $2.87B | $2.31B | $1.99B | $297.2M | $24.8M | 0.88% | 3.43% | 1.15% |
| Q3 2024 | $2.87B | $2.26B | $1.94B | $300.5M | $17.6M | 0.84% | 3.24% | 1.11% |
Loan mix (Q2 2026): real estate $1.81B · commercial $256.9M · consumer $42.7M · securities $530.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.26% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 12.2% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 59.0% | 56th |
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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