| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +3.0% | +6.6 pts |
| Deposit growth (YoY) | +10.1% | +2.5% | +7.6 pts |
| Loan growth (YoY) | +2.9% | +2.6% | +0.3 pts |
| ROA | 1.31% | 0.99% | +0.3 pts |
| ROE | 11.6% | 8.1% | +3.5 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.5M | $43.7M | $20.0M | $5.4M | $313K | 1.31% | 3.84% | 0.00% |
| Q1 2026 | $47.0M | $41.2M | $18.9M | $5.4M | $161K | 1.37% | 3.90% | 0.00% |
| Q4 2025 | $46.9M | $41.2M | $19.8M | $5.3M | $681K | 1.49% | 3.87% | 0.00% |
| Q3 2025 | $48.9M | $43.0M | $20.2M | $5.4M | $509K | 1.49% | 3.80% | 0.00% |
| Q2 2025 | $45.2M | $39.7M | $19.4M | $5.1M | $309K | 1.39% | 3.78% | 0.00% |
| Q1 2025 | $43.3M | $38.0M | $20.1M | $5.0M | $148K | 1.35% | 3.79% | 0.00% |
| Q4 2024 | $44.4M | $38.3M | $20.7M | $4.8M | $549K | 1.28% | 3.60% | 0.00% |
| Q3 2024 | $45.7M | $39.3M | $20.4M | $5.0M | $400K | 1.25% | 3.52% | 0.00% |
Loan mix (Q2 2026): real estate $8.4M · commercial $4.4M · consumer $3.1M · securities $13.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.99% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 8.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 70.8% | 19th |
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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