| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.3 pts |
| Deposit growth (YoY) | -1.7% | +4.0% | -5.7 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.7 pts |
| ROA | 1.75% | 1.24% | +0.5 pts |
| ROE | 19.3% | 11.9% | +7.4 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $351.3M | $312.6M | $222.4M | $34.0M | $3.2M | 1.75% | 3.71% | 0.00% |
| Q1 2026 | $361.7M | $324.0M | $215.8M | $33.1M | $1.5M | 1.63% | 3.58% | 0.00% |
| Q4 2025 | $389.4M | $351.5M | $221.0M | $33.0M | $5.4M | 1.49% | 3.52% | 0.00% |
| Q3 2025 | $350.9M | $314.5M | $217.9M | $31.6M | $3.7M | 1.41% | 3.48% | 0.00% |
| Q2 2025 | $354.6M | $318.1M | $214.1M | $31.8M | $2.4M | 1.35% | 3.40% | 0.00% |
| Q1 2025 | $358.5M | $322.7M | $208.7M | $31.3M | $1.2M | 1.30% | 3.33% | 0.00% |
| Q4 2024 | $351.3M | $313.8M | $200.7M | $30.3M | $3.5M | 1.04% | 3.04% | 0.00% |
| Q3 2024 | $336.0M | $297.1M | $193.6M | $31.5M | $2.6M | 1.03% | 2.98% | 0.00% |
Loan mix (Q2 2026): real estate $154.1M · commercial $47.0M · consumer $10.8M · securities $83.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 62.9% | 35th |
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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