| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.0% | -1.9 pts |
| Deposit growth (YoY) | +0.9% | +2.5% | -1.6 pts |
| Loan growth (YoY) | +4.7% | +2.6% | +2.1 pts |
| ROA | 0.36% | 0.99% | -0.6 pts |
| ROE | 1.4% | 8.1% | -6.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $67.3M | $50.0M | $55.6M | $17.3M | $121K | 0.36% | 3.40% | 0.00% |
| Q1 2026 | $65.6M | $48.3M | $54.7M | $17.2M | $12K | 0.07% | 3.27% | 0.00% |
| Q4 2025 | $66.8M | $49.6M | $54.3M | $17.2M | $284K | 0.43% | 2.89% | 0.00% |
| Q3 2025 | $66.8M | $49.6M | $53.8M | $17.1M | $244K | 0.49% | 2.77% | 0.00% |
| Q2 2025 | $66.6M | $49.5M | $53.1M | $17.0M | $121K | 0.37% | 2.68% | 0.00% |
| Q1 2025 | $65.6M | $48.6M | $51.9M | $16.9M | $54K | 0.33% | 2.62% | 0.00% |
| Q4 2024 | $66.0M | $49.1M | $51.1M | $16.9M | $312K | 0.49% | 2.89% | 0.49% |
| Q3 2024 | $66.6M | $49.8M | $50.2M | $16.7M | $141K | 0.30% | 2.85% | 0.34% |
Loan mix (Q2 2026): real estate $53.1M · commercial $2.5M · consumer $469K · securities $299K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.99% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 8.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 70.8% | 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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