| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +5.5% | +5.7 pts |
| Deposit growth (YoY) | +9.7% | +5.1% | +4.6 pts |
| Loan growth (YoY) | +12.1% | +5.9% | +6.1 pts |
| ROA | 1.44% | 1.26% | +0.2 pts |
| ROE | 14.3% | 12.2% | +2.2 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.69B | $3.14B | $2.74B | $367.4M | $25.6M | 1.44% | 3.15% | 0.53% |
| Q1 2026 | $3.54B | $2.99B | $2.69B | $355.2M | $11.9M | 1.36% | 3.16% | 0.60% |
| Q4 2025 | $3.45B | $2.92B | $2.61B | $347.4M | $44.9M | 1.41% | 3.21% | 0.54% |
| Q3 2025 | $3.30B | $2.84B | $2.47B | $335.4M | $33.8M | 1.45% | 3.22% | 0.55% |
| Q2 2025 | $3.31B | $2.86B | $2.45B | $319.4M | $21.5M | 1.41% | 3.22% | 0.43% |
| Q1 2025 | $2.97B | $2.54B | $2.34B | $307.1M | $9.7M | 1.33% | 3.30% | 0.59% |
| Q4 2024 | $2.85B | $2.43B | $2.27B | $293.7M | $37.2M | 1.36% | 3.38% | 0.79% |
| Q3 2024 | $2.93B | $2.51B | $2.18B | $292.0M | $27.5M | 1.36% | 3.38% | 0.61% |
Loan mix (Q2 2026): real estate $904.2M · commercial $1.15B · consumer $441.7M · securities $655.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.26% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.2% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.6% | 59.0% | 6th |
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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