| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +3.0% | -0.3 pts |
| Deposit growth (YoY) | +1.9% | +2.5% | -0.6 pts |
| Loan growth (YoY) | -0.9% | +2.6% | -3.5 pts |
| ROA | 1.08% | 0.99% | +0.1 pts |
| ROE | 10.1% | 8.1% | +2.1 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $80.3M | $70.9M | $30.1M | $9.0M | $447K | 1.08% | 5.97% | 0.03% |
| Q1 2026 | $81.5M | $72.4M | $28.6M | $8.8M | $285K | 1.36% | 5.75% | 0.05% |
| Q4 2025 | $86.3M | $77.4M | $29.9M | $8.7M | $940K | 1.15% | 5.91% | 0.51% |
| Q3 2025 | $81.1M | $71.9M | $32.0M | $8.6M | $712K | 1.18% | 6.00% | 0.52% |
| Q2 2025 | $78.2M | $69.5M | $30.4M | $8.2M | $466K | 1.16% | 6.08% | 0.56% |
| Q1 2025 | $84.0M | $75.9M | $29.1M | $7.8M | $312K | 1.54% | 6.22% | 0.60% |
| Q4 2024 | $78.4M | $70.9M | $29.3M | $7.1M | $866K | 1.17% | 6.00% | 1.14% |
| Q3 2024 | $76.1M | $67.9M | $30.9M | $7.7M | $521K | 0.95% | 5.93% | 1.40% |
Loan mix (Q2 2026): real estate $2.5M · commercial $1.4M · consumer $14.2M · securities $27.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.99% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 8.1% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 70.8% | 64th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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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