| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.3 pts |
| Loan growth (YoY) | +5.2% | +5.6% | -0.4 pts |
| ROA | 0.60% | 1.24% | -0.6 pts |
| ROE | 6.7% | 11.9% | -5.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $104.1M | $92.3M | $77.4M | $9.3M | $305K | 0.60% | 4.25% | 0.21% |
| Q1 2026 | $101.3M | $89.7M | $75.4M | $9.1M | $164K | 0.65% | 4.22% | 0.47% |
| Q4 2025 | $101.3M | $88.2M | $75.2M | $9.1M | $927K | 0.94% | 4.50% | 0.48% |
| Q3 2025 | $99.5M | $87.0M | $74.4M | $8.6M | $720K | 0.98% | 4.48% | 0.38% |
| Q2 2025 | $99.9M | $89.1M | $73.6M | $8.1M | $451K | 0.93% | 4.40% | 0.25% |
| Q1 2025 | $98.5M | $87.8M | $73.1M | $7.8M | $263K | 1.10% | 4.38% | 0.19% |
| Q4 2024 | $93.6M | $83.6M | $71.2M | $7.5M | $801K | 0.86% | 4.45% | 0.35% |
| Q3 2024 | $94.1M | $84.7M | $68.1M | $6.6M | $629K | 0.90% | 4.39% | 0.37% |
Loan mix (Q2 2026): real estate $71.6M · commercial $836K · consumer $3.3M · securities $14.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 62.9% | 86th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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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