| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +5.5% | -1.8 pts |
| Deposit growth (YoY) | +3.3% | +5.1% | -1.8 pts |
| Loan growth (YoY) | +2.6% | +5.9% | -3.3 pts |
| ROA | 1.05% | 1.26% | -0.2 pts |
| ROE | 8.5% | 12.2% | -3.7 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.56B | $3.37B | $4.24B | $694.6M | $28.6M | 1.05% | 1.31% | 0.03% |
| Q1 2026 | $5.41B | $3.31B | $4.18B | $668.1M | $2.0M | 0.15% | 1.29% | 0.02% |
| Q4 2025 | $5.37B | $3.18B | $4.19B | $668.2M | $48.6M | 0.91% | 1.17% | 0.02% |
| Q3 2025 | $5.35B | $3.19B | $4.19B | $660.3M | $41.1M | 1.02% | 1.15% | 0.01% |
| Q2 2025 | $5.37B | $3.26B | $4.14B | $635.3M | $16.9M | 0.63% | 1.12% | 0.02% |
| Q1 2025 | $5.33B | $3.32B | $4.08B | $609.3M | $-8.6M | -0.65% | 1.09% | 0.01% |
| Q4 2024 | $5.34B | $3.36B | $4.09B | $607.0M | $38.3M | 0.74% | 0.99% | 0.02% |
| Q3 2024 | $5.21B | $3.13B | $4.06B | $606.9M | $35.8M | 0.93% | 1.01% | 0.02% |
Loan mix (Q2 2026): real estate $4.25B · commercial $4.4M · consumer $2.9M · securities $651.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.26% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 12.2% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.31% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 59.0% | 86th |
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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