| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.9% | -6.1 pts |
| Deposit growth (YoY) | -1.5% | +4.3% | -5.8 pts |
| Loan growth (YoY) | -2.1% | +5.3% | -7.4 pts |
| ROA | 0.75% | 1.28% | -0.5 pts |
| ROE | 6.6% | 12.4% | -5.8 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $522.0M | $396.4M | $366.2M | $59.6M | $2.0M | 0.75% | 3.57% | 0.65% |
| Q1 2026 | $517.6M | $392.5M | $364.4M | $58.7M | $1.0M | 0.77% | 3.51% | 0.27% |
| Q4 2025 | $523.4M | $394.2M | $344.3M | $59.2M | $6.3M | 1.18% | 3.35% | 0.33% |
| Q3 2025 | $524.1M | $395.5M | $358.9M | $58.6M | $4.9M | 1.23% | 3.31% | 0.64% |
| Q2 2025 | $528.4M | $402.5M | $374.0M | $56.5M | $4.1M | 1.52% | 3.28% | 0.49% |
| Q1 2025 | $542.9M | $428.9M | $382.7M | $55.0M | $1.1M | 0.78% | 3.22% | 0.74% |
| Q4 2024 | $541.6M | $415.7M | $389.2M | $54.7M | $3.6M | 0.66% | 3.19% | 0.70% |
| Q3 2024 | $555.1M | $419.0M | $390.9M | $56.4M | $2.5M | 0.61% | 3.23% | 0.75% |
Loan mix (Q2 2026): real estate $299.8M · commercial $28.2M · consumer $1.7M · securities $97.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.28% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 12.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 61.2% | 85th |
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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