| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.4% | -0.5 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +10.9% | +5.6% | +5.3 pts |
| ROA | 1.61% | 1.24% | +0.4 pts |
| ROE | 18.5% | 11.9% | +6.6 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $174.5M | $158.7M | $113.9M | $14.9M | $1.4M | 1.61% | 3.96% | 1.29% |
| Q1 2026 | $167.5M | $151.7M | $104.0M | $14.7M | $712K | 1.70% | 3.95% | 0.40% |
| Q4 2025 | $168.1M | $150.0M | $104.9M | $14.6M | $2.1M | 1.23% | 3.53% | 0.38% |
| Q3 2025 | $171.8M | $154.0M | $108.0M | $13.9M | $1.4M | 1.14% | 3.41% | 0.40% |
| Q2 2025 | $168.0M | $151.3M | $102.7M | $13.3M | $956K | 1.15% | 3.34% | 0.34% |
| Q1 2025 | $164.4M | $150.2M | $98.3M | $13.1M | $474K | 1.15% | 3.25% | 0.39% |
| Q4 2024 | $164.4M | $151.2M | $104.5M | $12.3M | $1.5M | 0.90% | 2.81% | 0.39% |
| Q3 2024 | $159.1M | $140.4M | $106.0M | $12.2M | $1.0M | 0.86% | 2.74% | 0.35% |
Loan mix (Q2 2026): real estate $72.8M · commercial $12.1M · consumer $3.5M · securities $48.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 18.5% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 62.9% | 25th |
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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