| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +0.6% | +4.0% | -3.4 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 1.99% | 1.24% | +0.8 pts |
| ROE | 20.8% | 11.9% | +8.9 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $141.5M | $104.5M | $106.8M | $13.2M | $1.4M | 1.99% | 4.72% | 0.17% |
| Q1 2026 | $134.0M | $105.2M | $104.4M | $13.1M | $640K | 1.90% | 4.74% | 0.10% |
| Q4 2025 | $135.4M | $109.7M | $104.0M | $13.1M | $2.7M | 2.01% | 4.72% | 0.05% |
| Q3 2025 | $138.1M | $101.6M | $106.8M | $13.2M | $2.0M | 2.02% | 4.71% | 0.05% |
| Q2 2025 | $135.5M | $103.9M | $104.9M | $13.0M | $1.4M | 2.07% | 4.71% | 0.03% |
| Q1 2025 | $128.9M | $105.4M | $100.3M | $12.9M | $680K | 2.09% | 4.68% | 0.04% |
| Q4 2024 | $131.1M | $103.9M | $100.0M | $12.6M | $2.5M | 1.95% | 4.80% | 0.08% |
| Q3 2024 | $125.7M | $100.6M | $95.4M | $12.7M | $1.9M | 1.95% | 4.79% | 0.21% |
Loan mix (Q2 2026): real estate $99.3M · commercial $4.5M · consumer $4.5M · securities $21.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 20.8% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 62.9% | 28th |
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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