| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +3.0% | -7.9 pts |
| Deposit growth (YoY) | -6.3% | +2.5% | -8.8 pts |
| Loan growth (YoY) | -0.7% | +2.6% | -3.3 pts |
| ROA | -0.08% | 0.99% | -1.1 pts |
| ROE | -0.4% | 8.1% | -8.5 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.2M | $32.4M | $29.4M | $8.6M | $-18K | -0.08% | 3.34% | 0.00% |
| Q1 2026 | $44.3M | $35.5M | $29.7M | $8.7M | $9K | 0.08% | 3.22% | 0.00% |
| Q4 2025 | $43.9M | $35.2M | $29.3M | $8.7M | $-54K | -0.12% | 3.16% | 0.00% |
| Q3 2025 | $43.8M | $35.0M | $28.6M | $8.7M | $-5K | -0.02% | 3.16% | 0.00% |
| Q2 2025 | $43.3M | $34.5M | $29.6M | $8.6M | $74K | 0.34% | 3.13% | 0.00% |
| Q1 2025 | $42.8M | $33.8M | $29.4M | $8.6M | $95K | 0.89% | 3.08% | 0.00% |
| Q4 2024 | $42.8M | $33.8M | $29.3M | $8.5M | $-478K | -1.13% | 2.86% | 0.00% |
| Q3 2024 | $43.0M | $33.8M | $29.1M | $8.7M | $-440K | -1.39% | 2.86% | 0.00% |
Loan mix (Q2 2026): real estate $28.7M · commercial $751K · consumer $141K · securities $6.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.08% | 0.99% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 8.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.2% | 70.8% | 88th |
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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