| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.8 pts |
| Loan growth (YoY) | -3.1% | +5.6% | -8.7 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 11.1% | 11.9% | -0.8 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $202.3M | $173.9M | $67.8M | $26.2M | $1.5M | 1.42% | 2.76% | 0.21% |
| Q1 2026 | $204.6M | $176.2M | $73.3M | $26.4M | $729K | 1.41% | 2.71% | 0.09% |
| Q4 2025 | $208.8M | $180.2M | $74.0M | $26.3M | $2.3M | 1.15% | 2.58% | 0.12% |
| Q3 2025 | $186.6M | $158.3M | $71.6M | $26.0M | $1.8M | 1.20% | 2.60% | 0.29% |
| Q2 2025 | $193.3M | $166.0M | $69.9M | $25.1M | $1.2M | 1.23% | 2.54% | 0.35% |
| Q1 2025 | $198.6M | $171.8M | $73.6M | $24.6M | $583K | 1.16% | 2.41% | 0.21% |
| Q4 2024 | $204.9M | $179.0M | $69.7M | $23.4M | $2.1M | 1.11% | 2.56% | 0.23% |
| Q3 2024 | $184.7M | $157.5M | $69.8M | $24.7M | $1.6M | 1.13% | 2.64% | 0.24% |
Loan mix (Q2 2026): real estate $46.9M · commercial $6.6M · consumer $1.6M · securities $123.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 62.9% | 19th |
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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