| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +6.4% | +4.0% | +2.4 pts |
| Loan growth (YoY) | +5.4% | +5.6% | -0.2 pts |
| ROA | 1.45% | 1.24% | +0.2 pts |
| ROE | 11.1% | 11.9% | -0.8 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $484.4M | $416.2M | $378.4M | $63.4M | $3.5M | 1.45% | 4.12% | 0.23% |
| Q1 2026 | $482.1M | $415.3M | $371.3M | $61.7M | $1.7M | 1.40% | 4.07% | 0.04% |
| Q4 2025 | $472.3M | $405.3M | $360.2M | $62.3M | $6.6M | 1.42% | 4.03% | 0.04% |
| Q3 2025 | $454.7M | $379.1M | $362.0M | $60.7M | $5.1M | 1.47% | 4.02% | 0.05% |
| Q2 2025 | $464.8M | $391.2M | $359.1M | $58.9M | $3.3M | 1.43% | 3.95% | 0.07% |
| Q1 2025 | $468.1M | $406.0M | $353.8M | $57.0M | $1.6M | 1.33% | 3.84% | 0.00% |
| Q4 2024 | $463.8M | $401.7M | $357.8M | $57.6M | $6.0M | 1.36% | 3.85% | 0.01% |
| Q3 2024 | $431.2M | $369.9M | $346.2M | $56.4M | $4.5M | 1.38% | 3.84% | 0.00% |
Loan mix (Q2 2026): real estate $289.8M · commercial $27.7M · consumer $3.5M · securities $59.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.1% | 62.9% | 16th |
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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