| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +40.4% | +3.0% | +37.4 pts |
| Deposit growth (YoY) | +45.6% | +2.5% | +43.2 pts |
| Loan growth (YoY) | +67.5% | +2.6% | +64.9 pts |
| ROA | -1.32% | 0.99% | -2.3 pts |
| ROE | -7.5% | 8.1% | -15.6 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 | $61.9M | $49.2M | $42.6M | $9.6M | $-350K | -1.32% | 4.29% | 7.81% |
| Q1 2026 | $50.4M | $36.9M | $31.1M | $9.2M | $-83K | -0.68% | 4.75% | 7.51% |
| Q4 2025 | $46.8M | $35.7M | $30.7M | $9.3M | $-449K | -1.00% | 2.13% | 6.72% |
| Q3 2025 | $45.3M | $32.9M | $31.3M | $9.8M | $-148K | -0.45% | 1.33% | 3.26% |
| Q2 2025 | $44.1M | $33.8M | $25.5M | $7.4M | $-152K | -0.69% | 4.44% | 3.52% |
| Q1 2025 | $45.4M | $34.2M | $26.3M | $8.2M | $98K | 0.90% | 4.97% | 3.52% |
| Q4 2024 | $42.2M | $31.2M | $28.2M | $8.1M | $628K | 1.45% | 6.19% | 3.43% |
| Q3 2024 | $42.3M | $31.7M | $26.1M | $7.9M | $380K | 1.16% | 6.34% | 3.72% |
Loan mix (Q2 2026): real estate $24.1M · commercial $15.7M · consumer $363K · securities $1.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.32% | 0.99% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -7.5% | 8.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 142.2% | 70.8% | 95th |
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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