| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.4% | -1.9 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.9 pts |
| Loan growth (YoY) | +11.5% | +5.6% | +5.9 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 10.6% | 11.9% | -1.3 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $206.1M | $183.8M | $136.2M | $21.1M | $1.1M | 1.05% | 4.54% | 1.21% |
| Q1 2026 | $207.7M | $186.7M | $132.0M | $20.4M | $499K | 0.95% | 4.42% | 1.16% |
| Q4 2025 | $210.4M | $189.4M | $129.8M | $20.3M | $41K | 0.02% | 4.44% | 1.37% |
| Q3 2025 | $202.7M | $180.5M | $126.2M | $21.6M | $1.4M | 0.92% | 4.42% | 2.57% |
| Q2 2025 | $201.2M | $180.0M | $122.1M | $20.4M | $884K | 0.90% | 4.35% | 2.82% |
| Q1 2025 | $203.1M | $181.8M | $122.1M | $20.2M | $483K | 1.00% | 4.54% | 0.80% |
| Q4 2024 | $182.5M | $166.5M | $115.1M | $15.3M | $1.4M | 0.79% | 3.99% | 1.06% |
| Q3 2024 | $178.9M | $161.4M | $110.9M | $16.4M | $1.0M | 0.76% | 3.94% | 0.95% |
Loan mix (Q2 2026): real estate $113.5M · commercial $14.4M · consumer $5.3M · securities $42.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 62.9% | 68th |
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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