| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.3% | +4.9% | +24.4 pts |
| Deposit growth (YoY) | +13.3% | +4.3% | +9.0 pts |
| Loan growth (YoY) | +9.9% | +5.3% | +4.5 pts |
| ROA | 2.91% | 1.28% | +1.6 pts |
| ROE | 11.0% | 12.4% | -1.4 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $835.2M | $588.2M | $510.3M | $224.7M | $12.0M | 2.91% | 3.19% | 0.00% |
| Q1 2026 | $839.6M | $602.6M | $505.2M | $215.7M | $3.6M | 1.76% | 3.13% | 0.00% |
| Q4 2025 | $799.7M | $564.4M | $473.9M | $214.2M | $11.1M | 1.60% | 2.83% | 0.01% |
| Q3 2025 | $757.0M | $624.7M | $464.2M | $112.1M | $9.3M | 1.87% | 2.83% | 0.01% |
| Q2 2025 | $646.2M | $519.1M | $464.4M | $109.2M | $7.6M | 2.40% | 2.82% | 0.01% |
| Q1 2025 | $680.0M | $558.7M | $431.0M | $102.7M | $947K | 0.60% | 2.67% | 0.01% |
| Q4 2024 | $578.8M | $458.6M | $397.4M | $100.9M | $3.3M | 0.65% | 3.15% | 0.02% |
| Q3 2024 | $558.3M | $437.5M | $363.4M | $101.6M | $2.0M | 0.55% | 3.25% | 0.02% |
Loan mix (Q2 2026): real estate $397.0M · commercial $118.3M · consumer $0 · securities $147.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.91% | 1.28% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 12.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 61.2% | 33th |
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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