| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +3.0% | -6.9 pts |
| Deposit growth (YoY) | +0.4% | +2.5% | -2.1 pts |
| Loan growth (YoY) | -3.7% | +2.6% | -6.3 pts |
| ROA | 0.43% | 0.99% | -0.6 pts |
| ROE | 4.3% | 8.1% | -3.7 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $99.9M | $85.5M | $87.9M | $10.1M | $218K | 0.43% | 3.59% | 2.07% |
| Q1 2026 | $101.6M | $84.9M | $87.6M | $10.0M | $122K | 0.47% | 3.54% | 1.63% |
| Q4 2025 | $105.3M | $86.2M | $89.6M | $9.9M | $469K | 0.45% | 3.54% | 0.61% |
| Q3 2025 | $102.6M | $83.7M | $89.9M | $9.9M | $453K | 0.58% | 3.52% | 0.62% |
| Q2 2025 | $104.0M | $85.2M | $91.4M | $9.7M | $300K | 0.58% | 3.47% | 0.59% |
| Q1 2025 | $102.9M | $83.9M | $91.0M | $9.6M | $166K | 0.64% | 3.44% | 0.00% |
| Q4 2024 | $104.8M | $83.6M | $92.2M | $9.4M | $302K | 0.30% | 3.14% | 0.39% |
| Q3 2024 | $102.6M | $82.0M | $91.9M | $9.4M | $251K | 0.33% | 3.11% | 0.00% |
Loan mix (Q2 2026): real estate $82.6M · commercial $0 · consumer $34K · securities $1.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.99% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 8.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 70.8% | 78th |
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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