| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +3.0% | -7.4 pts |
| Deposit growth (YoY) | -5.4% | +2.5% | -7.9 pts |
| Loan growth (YoY) | +17.1% | +2.6% | +14.5 pts |
| ROA | 0.22% | 0.99% | -0.8 pts |
| ROE | 2.2% | 8.1% | -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 | $31.5M | $28.2M | $17.1M | $3.1M | $35K | 0.22% | 4.69% | 1.34% |
| Q1 2026 | $31.0M | $27.8M | $16.0M | $3.1M | $1K | 0.01% | 4.44% | 1.36% |
| Q4 2025 | $32.6M | $29.4M | $13.8M | $3.2M | $-20K | -0.06% | 3.70% | 1.30% |
| Q3 2025 | $34.0M | $30.6M | $13.8M | $3.2M | $16K | 0.06% | 3.71% | 0.00% |
| Q2 2025 | $33.0M | $29.8M | $14.6M | $2.9M | $1K | 0.01% | 3.59% | 0.00% |
| Q1 2025 | $33.7M | $30.4M | $14.0M | $2.9M | $4K | 0.05% | 3.52% | 0.06% |
| Q4 2024 | $34.3M | $31.3M | $11.1M | $2.8M | $39K | 0.13% | 3.38% | 0.00% |
| Q3 2024 | $32.0M | $28.7M | $10.6M | $3.0M | $15K | 0.07% | 3.39% | 0.00% |
Loan mix (Q2 2026): real estate $12.4M · commercial $4.5M · consumer $227K · securities $6.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.99% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 8.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 70.8% | 78th |
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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