| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.4% | +2.0 pts |
| Deposit growth (YoY) | +14.0% | +4.0% | +10.0 pts |
| Loan growth (YoY) | +6.5% | +5.6% | +1.0 pts |
| ROA | 1.30% | 1.24% | +0.1 pts |
| ROE | 15.1% | 11.9% | +3.3 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $330.6M | $291.1M | $300.0M | $29.9M | $2.2M | 1.30% | 4.08% | 1.25% |
| Q1 2026 | $352.8M | $279.9M | $324.0M | $29.7M | $1.0M | 1.19% | 3.92% | 1.43% |
| Q4 2025 | $340.0M | $256.7M | $311.7M | $28.6M | $4.8M | 1.54% | 3.98% | 0.53% |
| Q3 2025 | $304.1M | $254.6M | $275.4M | $26.8M | $3.0M | 1.31% | 3.93% | 0.44% |
| Q2 2025 | $310.6M | $255.4M | $281.7M | $26.1M | $1.8M | 1.19% | 3.86% | 0.13% |
| Q1 2025 | $300.1M | $247.6M | $270.5M | $25.1M | $844K | 1.14% | 3.82% | 0.24% |
| Q4 2024 | $293.5M | $250.8M | $262.8M | $25.6M | $3.5M | 1.17% | 3.83% | 0.36% |
| Q3 2024 | $312.6M | $245.9M | $278.0M | $25.1M | $2.7M | 1.20% | 3.83% | 0.25% |
Loan mix (Q2 2026): real estate $234.7M · commercial $46.0M · consumer $1.8M · securities $6.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 62.9% | 95th |
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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