| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.3% | +4.4% | +12.9 pts |
| Deposit growth (YoY) | +13.1% | +4.0% | +9.1 pts |
| Loan growth (YoY) | +17.6% | +5.6% | +12.0 pts |
| ROA | 1.08% | 1.24% | -0.2 pts |
| ROE | 11.3% | 11.9% | -0.6 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $241.2M | $204.9M | $212.6M | $23.2M | $1.3M | 1.08% | 3.47% | 0.30% |
| Q1 2026 | $238.7M | $199.8M | $211.5M | $22.4M | $483K | 0.83% | 3.19% | 0.18% |
| Q4 2025 | $225.9M | $193.4M | $200.0M | $22.0M | $1.6M | 0.76% | 3.21% | 0.17% |
| Q3 2025 | $221.0M | $184.8M | $194.8M | $21.6M | $1.2M | 0.76% | 3.14% | 0.03% |
| Q2 2025 | $205.7M | $181.1M | $180.8M | $21.2M | $761K | 0.76% | 3.11% | 0.04% |
| Q1 2025 | $201.4M | $170.9M | $173.9M | $20.8M | $367K | 0.74% | 3.05% | 0.18% |
| Q4 2024 | $194.7M | $168.1M | $171.7M | $20.5M | $1.1M | 0.57% | 2.72% | 0.05% |
| Q3 2024 | $191.4M | $164.9M | $164.8M | $20.2M | $783K | 0.56% | 2.69% | 0.21% |
Loan mix (Q2 2026): real estate $190.1M · commercial $23.0M · consumer $768K · securities $7.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 62.9% | 30th |
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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