| Metric | OSB Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +1.1% | +5.6% | -4.5 pts |
| ROA | 0.95% | 1.24% | -0.3 pts |
| ROE | 8.5% | 11.9% | -3.4 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $355.6M | $293.5M | $305.6M | $40.7M | $1.7M | 0.95% | 3.38% | 0.31% |
| Q1 2026 | $360.8M | $298.4M | $308.0M | $40.3M | $663K | 0.73% | 3.33% | 0.29% |
| Q4 2025 | $362.6M | $300.9M | $305.8M | $40.2M | $2.1M | 0.60% | 3.19% | 0.48% |
| Q3 2025 | $354.2M | $294.5M | $298.7M | $39.9M | $1.7M | 0.63% | 3.16% | 1.02% |
| Q2 2025 | $346.8M | $280.7M | $302.2M | $39.5M | $1.1M | 0.64% | 3.15% | 1.13% |
| Q1 2025 | $351.7M | $287.9M | $295.1M | $39.4M | $499K | 0.57% | 3.03% | 1.18% |
| Q4 2024 | $353.6M | $285.4M | $302.0M | $40.9M | $1.1M | 0.32% | 2.82% | 1.37% |
| Q3 2024 | $355.1M | $278.5M | $304.5M | $40.7M | $541K | 0.20% | 2.73% | 1.33% |
Loan mix (Q2 2026): real estate $276.9M · commercial $28.0M · consumer $1.3M · securities $15.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | OSB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 62.9% | 63th |
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 | OSB Community Bank | 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 | OSB Community Bank | 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 | OSB Community Bank | 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 | OSB Community Bank | 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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