| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.4% | -5.2 pts |
| Deposit growth (YoY) | -1.8% | +4.0% | -5.8 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.5 pts |
| ROA | 1.24% | 1.24% | +0.0 pts |
| ROE | 13.0% | 11.9% | +1.1 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $266.4M | $239.4M | $78.4M | $26.4M | $1.7M | 1.24% | 2.74% | 0.23% |
| Q1 2026 | $283.7M | $257.1M | $78.3M | $26.1M | $825K | 1.18% | 2.63% | 0.22% |
| Q4 2025 | $274.9M | $248.2M | $80.9M | $26.1M | $2.8M | 1.01% | 2.47% | 0.21% |
| Q3 2025 | $282.5M | $256.2M | $74.4M | $25.6M | $2.1M | 1.00% | 2.40% | 0.21% |
| Q2 2025 | $268.6M | $243.9M | $76.1M | $24.0M | $1.3M | 0.96% | 2.40% | 0.22% |
| Q1 2025 | $282.0M | $257.9M | $77.6M | $23.5M | $597K | 0.86% | 2.29% | 0.26% |
| Q4 2024 | $271.3M | $249.0M | $79.1M | $21.6M | $1.3M | 0.48% | 1.91% | 0.20% |
| Q3 2024 | $283.6M | $259.1M | $74.0M | $23.7M | $819K | 0.40% | 1.81% | 0.20% |
Loan mix (Q2 2026): real estate $45.0M · commercial $8.3M · consumer $1.9M · securities $93.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 62.9% | 25th |
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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