| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +5.5% | +3.0 pts |
| Deposit growth (YoY) | +4.5% | +5.1% | -0.6 pts |
| Loan growth (YoY) | +10.8% | +5.9% | +4.9 pts |
| ROA | 2.07% | 1.26% | +0.8 pts |
| ROE | 18.7% | 12.2% | +6.5 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.18B | $1.80B | $1.54B | $234.8M | $21.7M | 2.07% | 4.78% | 1.59% |
| Q1 2026 | $1.98B | $1.74B | $1.47B | $234.3M | $10.0M | 1.93% | 4.82% | 1.72% |
| Q4 2025 | $2.14B | $1.80B | $1.47B | $229.2M | $43.9M | 2.18% | 4.79% | 1.74% |
| Q3 2025 | $1.98B | $1.76B | $1.41B | $217.7M | $33.5M | 2.25% | 4.79% | 1.76% |
| Q2 2025 | $2.01B | $1.72B | $1.39B | $204.9M | $21.9M | 2.20% | 4.76% | 1.92% |
| Q1 2025 | $1.94B | $1.72B | $1.37B | $202.6M | $9.8M | 1.99% | 4.66% | 0.87% |
| Q4 2024 | $2.01B | $1.71B | $1.32B | $195.5M | $37.4M | 1.98% | 4.71% | 0.37% |
| Q3 2024 | $1.87B | $1.66B | $1.36B | $190.5M | $27.8M | 1.99% | 4.72% | 0.38% |
Loan mix (Q2 2026): real estate $1.31B · commercial $204.2M · consumer $37.7M · securities $258.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 1.26% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 12.2% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 59.0% | 39th |
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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