| Metric | Primary Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.9% | +1.3 pts |
| Deposit growth (YoY) | +5.1% | +4.3% | +0.8 pts |
| Loan growth (YoY) | +8.4% | +5.3% | +3.1 pts |
| ROA | 1.75% | 1.28% | +0.5 pts |
| ROE | 11.1% | 12.4% | -1.3 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $769.5M | $644.2M | $664.8M | $121.4M | $6.5M | 1.75% | 4.05% | 1.74% |
| Q1 2026 | $743.4M | $621.5M | $638.1M | $116.8M | $2.4M | 1.31% | 4.02% | 1.64% |
| Q4 2025 | $722.8M | $605.3M | $631.7M | $113.0M | $11.6M | 1.62% | 3.97% | 1.79% |
| Q3 2025 | $734.2M | $619.0M | $635.3M | $109.7M | $8.9M | 1.65% | 3.97% | 1.23% |
| Q2 2025 | $724.8M | $613.0M | $613.1M | $105.8M | $5.5M | 1.56% | 3.91% | 1.91% |
| Q1 2025 | $699.1M | $590.1M | $598.8M | $102.6M | $2.4M | 1.37% | 3.79% | 0.59% |
| Q4 2024 | $708.8M | $603.7M | $593.2M | $99.9M | $10.7M | 1.51% | 3.84% | 0.78% |
| Q3 2024 | $716.7M | $614.8M | $593.3M | $96.6M | $7.6M | 1.44% | 3.77% | 1.51% |
Loan mix (Q2 2026): real estate $532.5M · commercial $139.2M · consumer $0 · securities $14.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Primary Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.28% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.4% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.6% | 61.2% | 11th |
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 | Primary Bank | 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 | Primary Bank | 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 | Primary Bank | 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 | Primary Bank | 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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