| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.0% | +0.1 pts |
| Deposit growth (YoY) | 0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 2.85% | 0.99% | +1.9 pts |
| ROE | 2.9% | 8.1% | -5.2 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $71.5M | $500K | $0 | $71.0M | $1.0M | 2.85% | 4.39% | 0.00% |
| Q1 2026 | $71.0M | $500K | $0 | $70.4M | $486K | 2.75% | 4.22% | 0.00% |
| Q4 2025 | $70.4M | $500K | $0 | $69.9M | $2.3M | 3.32% | 5.04% | 0.00% |
| Q3 2025 | $69.9M | $500K | $0 | $69.4M | $1.8M | 3.38% | 5.05% | 0.00% |
| Q2 2025 | $69.3M | $500K | $0 | $68.8M | $1.2M | 3.41% | 5.08% | 0.00% |
| Q1 2025 | $68.8M | $500K | $0 | $68.2M | $565K | 3.30% | 4.89% | 0.00% |
| Q4 2024 | $68.1M | $500K | $0 | $67.6M | $2.8M | 4.13% | 5.96% | 0.00% |
| Q3 2024 | $67.5M | $500K | $0 | $67.0M | $2.1M | 4.21% | 6.05% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.85% | 0.99% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 8.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 0.1% | 70.8% | 0th |
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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