| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +3.0% | +1.7 pts |
| Deposit growth (YoY) | +4.8% | +2.5% | +2.3 pts |
| Loan growth (YoY) | +7.0% | +2.6% | +4.4 pts |
| ROA | 1.83% | 0.99% | +0.8 pts |
| ROE | 14.5% | 8.1% | +6.4 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.5M | $43.7M | $36.1M | $6.9M | $507K | 1.83% | 4.46% | 0.62% |
| Q1 2026 | $52.8M | $45.6M | $32.3M | $7.1M | $263K | 1.90% | 4.48% | 0.73% |
| Q4 2025 | $57.6M | $40.7M | $39.5M | $7.0M | $912K | 1.65% | 4.12% | 0.61% |
| Q3 2025 | $54.4M | $39.9M | $36.4M | $6.6M | $596K | 1.45% | 4.10% | 0.68% |
| Q2 2025 | $53.0M | $41.7M | $33.8M | $6.2M | $413K | 1.51% | 4.05% | 0.84% |
| Q1 2025 | $53.3M | $46.4M | $31.4M | $6.2M | $223K | 1.60% | 4.08% | 0.77% |
| Q4 2024 | $58.4M | $42.3M | $35.2M | $5.9M | $785K | 1.32% | 3.55% | 0.01% |
| Q3 2024 | $54.3M | $41.5M | $35.0M | $5.9M | $545K | 1.22% | 3.47% | 0.02% |
Loan mix (Q2 2026): real estate $15.6M · commercial $6.4M · consumer $742K · securities $16.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.99% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 8.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 70.8% | 26th |
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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