| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +3.0% | -2.8 pts |
| Deposit growth (YoY) | 0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 4.56% | 0.99% | +3.6 pts |
| ROE | 4.7% | 8.1% | -3.4 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.2M | $500K | $0 | $55.7M | $1.3M | 4.56% | 3.84% | 0.00% |
| Q1 2026 | $56.7M | $499K | $0 | $55.4M | $640K | 4.53% | 3.82% | 0.00% |
| Q4 2025 | $56.4M | $499K | $0 | $55.2M | $2.7M | 4.75% | 4.51% | 0.00% |
| Q3 2025 | $57.4M | $500K | $0 | $55.5M | $2.0M | 4.66% | 4.62% | 0.00% |
| Q2 2025 | $57.0M | $500K | $0 | $55.3M | $1.3M | 4.64% | 4.59% | 0.00% |
| Q1 2025 | $56.6M | $500K | $0 | $55.2M | $664K | 4.70% | 4.57% | 0.00% |
| Q4 2024 | $56.5M | $500K | $0 | $55.0M | $2.9M | 5.03% | 5.51% | 0.00% |
| Q3 2024 | $58.8M | $500K | $0 | $56.8M | $2.2M | 5.14% | 5.65% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.56% | 0.99% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 8.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 19.9% | 70.8% | 1th |
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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