| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | +1.3% | +4.0% | -2.7 pts |
| Loan growth (YoY) | +2.7% | +5.6% | -2.9 pts |
| ROA | 0.45% | 1.24% | -0.8 pts |
| ROE | 4.8% | 11.9% | -7.0 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $141.3M | $127.6M | $106.9M | $13.3M | $319K | 0.45% | 3.13% | 0.80% |
| Q1 2026 | $143.3M | $129.7M | $104.4M | $13.1M | $113K | 0.32% | 3.03% | 0.79% |
| Q4 2025 | $138.5M | $125.1M | $103.5M | $13.0M | $511K | 0.37% | 3.01% | 0.82% |
| Q3 2025 | $141.0M | $127.8M | $105.3M | $12.9M | $393K | 0.38% | 2.97% | 0.82% |
| Q2 2025 | $138.9M | $125.9M | $104.1M | $12.7M | $250K | 0.36% | 2.95% | 0.64% |
| Q1 2025 | $137.4M | $124.5M | $103.5M | $12.6M | $96K | 0.28% | 2.89% | 0.66% |
| Q4 2024 | $137.3M | $124.5M | $103.5M | $12.5M | $350K | 0.26% | 2.71% | 0.67% |
| Q3 2024 | $141.8M | $129.2M | $101.5M | $12.4M | $237K | 0.23% | 2.68% | 0.46% |
Loan mix (Q2 2026): real estate $101.7M · commercial $4.9M · consumer $738K · securities $16.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 62.9% | 87th |
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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