| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.9% | -0.1 pts |
| Deposit growth (YoY) | +4.5% | +4.3% | +0.2 pts |
| Loan growth (YoY) | -0.0% | +5.3% | -5.4 pts |
| ROA | 1.58% | 1.28% | +0.3 pts |
| ROE | 12.9% | 12.4% | +0.4 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 | $840.1M | $730.2M | $547.0M | $101.3M | $6.4M | 1.58% | 4.04% | 0.35% |
| Q1 2026 | $806.4M | $700.5M | $545.7M | $99.6M | $2.9M | 1.44% | 3.98% | 0.18% |
| Q4 2025 | $805.7M | $701.4M | $557.7M | $99.6M | $10.6M | 1.34% | 3.74% | 0.17% |
| Q3 2025 | $801.7M | $699.0M | $548.6M | $97.5M | $7.6M | 1.28% | 3.63% | 0.21% |
| Q2 2025 | $801.7M | $698.5M | $547.1M | $96.8M | $4.2M | 1.07% | 3.49% | 0.21% |
| Q1 2025 | $794.7M | $693.2M | $531.2M | $95.5M | $1.7M | 0.87% | 3.35% | 0.14% |
| Q4 2024 | $769.4M | $668.3M | $518.8M | $96.4M | $7.8M | 1.00% | 3.26% | 0.15% |
| Q3 2024 | $779.4M | $673.0M | $511.7M | $95.2M | $5.6M | 0.95% | 3.23% | 0.15% |
Loan mix (Q2 2026): real estate $465.9M · commercial $60.7M · consumer $3.7M · securities $210.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.28% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 12.4% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 61.2% | 47th |
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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