| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.4% | -0.1 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +7.7% | +5.6% | +2.1 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 14.4% | 11.9% | +2.6 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.8M | $106.5M | $42.3M | $8.6M | $592K | 1.02% | 2.50% | 0.13% |
| Q1 2026 | $118.0M | $109.2M | $40.9M | $8.2M | $280K | 0.97% | 2.44% | 0.12% |
| Q4 2025 | $113.2M | $104.2M | $40.2M | $7.9M | $986K | 0.86% | 2.34% | 0.00% |
| Q3 2025 | $119.0M | $110.5M | $41.0M | $7.8M | $677K | 0.79% | 2.25% | 0.00% |
| Q2 2025 | $111.0M | $103.1M | $39.3M | $7.2M | $434K | 0.77% | 2.24% | 0.00% |
| Q1 2025 | $113.5M | $103.4M | $40.6M | $6.9M | $210K | 0.74% | 2.20% | 0.00% |
| Q4 2024 | $114.0M | $106.2M | $39.4M | $6.4M | $830K | 0.71% | 2.11% | 0.00% |
| Q3 2024 | $116.9M | $109.6M | $39.0M | $6.7M | $623K | 0.71% | 2.09% | 0.00% |
Loan mix (Q2 2026): real estate $35.7M · commercial $1.9M · consumer $3.9M · securities $69.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 62.9% | 50th |
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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