| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.8 pts |
| Loan growth (YoY) | +11.9% | +5.6% | +6.3 pts |
| ROA | 2.11% | 1.24% | +0.9 pts |
| ROE | 14.9% | 11.9% | +3.1 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $106.7M | $90.9M | $76.9M | $15.2M | $1.1M | 2.11% | 5.09% | 1.06% |
| Q1 2026 | $103.9M | $88.5M | $71.1M | $14.8M | $521K | 1.99% | 5.00% | 0.01% |
| Q4 2025 | $105.3M | $90.1M | $71.3M | $14.6M | $2.7M | 2.57% | 5.14% | 0.03% |
| Q3 2025 | $99.1M | $84.2M | $65.3M | $14.2M | $2.0M | 2.56% | 5.20% | 0.08% |
| Q2 2025 | $104.3M | $89.8M | $68.7M | $13.7M | $1.3M | 2.56% | 5.13% | 0.10% |
| Q1 2025 | $105.1M | $91.1M | $67.0M | $13.3M | $626K | 2.41% | 5.06% | 0.01% |
| Q4 2024 | $102.7M | $89.3M | $69.9M | $12.8M | $2.6M | 2.60% | 5.16% | 0.46% |
| Q3 2024 | $97.3M | $84.0M | $65.7M | $12.5M | $1.9M | 2.64% | 5.20% | 0.07% |
Loan mix (Q2 2026): real estate $36.5M · commercial $7.1M · consumer $3.0M · securities $6.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.11% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.09% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.6% | 62.9% | 7th |
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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