| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +5.5% | -4.0 pts |
| Deposit growth (YoY) | -1.2% | +5.1% | -6.3 pts |
| Loan growth (YoY) | +1.1% | +5.9% | -4.8 pts |
| ROA | 0.36% | 1.26% | -0.9 pts |
| ROE | 3.1% | 12.2% | -9.0 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.02B | $709.7M | $858.0M | $118.5M | $1.8M | 0.36% | 2.78% | 0.22% |
| Q1 2026 | $1.01B | $731.4M | $851.2M | $117.6M | $854K | 0.34% | 2.72% | 0.32% |
| Q4 2025 | $1.03B | $732.9M | $862.0M | $116.8M | $2.5M | 0.25% | 2.46% | 0.26% |
| Q3 2025 | $1.02B | $716.6M | $856.8M | $116.0M | $2.0M | 0.27% | 2.42% | 0.22% |
| Q2 2025 | $1.00B | $718.6M | $848.6M | $115.2M | $1.5M | 0.30% | 2.39% | 0.27% |
| Q1 2025 | $982.4M | $705.0M | $847.1M | $114.4M | $1.0M | 0.42% | 2.39% | 0.27% |
| Q4 2024 | $992.7M | $689.7M | $837.6M | $112.8M | $1.1M | 0.12% | 2.13% | 0.26% |
| Q3 2024 | $979.3M | $681.2M | $825.5M | $113.1M | $755K | 0.10% | 2.10% | 0.25% |
Loan mix (Q2 2026): real estate $834.4M · commercial $20.4M · consumer $7.3M · securities $63.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 1.26% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 12.2% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 59.0% | 96th |
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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