| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +4.4% | -3.9 pts |
| Deposit growth (YoY) | -4.3% | +4.0% | -8.3 pts |
| Loan growth (YoY) | +10.3% | +5.6% | +4.7 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 14.4% | 11.9% | +2.5 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $386.0M | $327.6M | $311.1M | $44.3M | $3.1M | 1.62% | 4.13% | 0.24% |
| Q1 2026 | $378.5M | $331.3M | $308.0M | $43.0M | $1.4M | 1.52% | 4.03% | 0.19% |
| Q4 2025 | $381.4M | $317.1M | $300.0M | $41.6M | $5.5M | 1.46% | 3.64% | 0.00% |
| Q3 2025 | $375.5M | $328.0M | $293.5M | $39.7M | $3.8M | 1.34% | 3.54% | 0.00% |
| Q2 2025 | $384.0M | $342.3M | $282.1M | $38.0M | $2.3M | 1.21% | 3.37% | 0.04% |
| Q1 2025 | $391.7M | $350.7M | $276.3M | $36.9M | $1.0M | 1.10% | 3.24% | 0.01% |
| Q4 2024 | $359.6M | $320.6M | $264.1M | $35.4M | $4.1M | 1.19% | 3.41% | 0.04% |
| Q3 2024 | $346.5M | $304.9M | $262.2M | $34.7M | $3.0M | 1.16% | 3.40% | 0.00% |
Loan mix (Q2 2026): real estate $256.5M · commercial $41.0M · consumer $16.4M · securities $31.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.0% | 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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