| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.9% | -3.5 pts |
| Deposit growth (YoY) | -0.3% | +4.3% | -4.6 pts |
| Loan growth (YoY) | +10.8% | +5.3% | +5.4 pts |
| ROA | 1.86% | 1.28% | +0.6 pts |
| ROE | 17.9% | 12.4% | +5.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $598.5M | $531.3M | $321.9M | $65.5M | $5.7M | 1.86% | 4.07% | 0.00% |
| Q1 2026 | $622.0M | $556.3M | $320.3M | $63.2M | $2.8M | 1.79% | 3.96% | 0.00% |
| Q4 2025 | $617.0M | $554.0M | $315.2M | $61.5M | $10.3M | 1.73% | 3.92% | 0.00% |
| Q3 2025 | $616.9M | $555.3M | $309.8M | $60.0M | $7.3M | 1.65% | 3.88% | 0.00% |
| Q2 2025 | $590.2M | $532.9M | $290.6M | $55.9M | $4.5M | 1.58% | 3.80% | 0.00% |
| Q1 2025 | $582.4M | $527.8M | $279.7M | $52.3M | $2.1M | 1.51% | 3.73% | 0.00% |
| Q4 2024 | $555.9M | $505.9M | $283.9M | $48.4M | $7.7M | 1.43% | 3.64% | 0.00% |
| Q3 2024 | $548.1M | $495.7M | $277.5M | $50.7M | $5.6M | 1.39% | 3.58% | 0.00% |
Loan mix (Q2 2026): real estate $300.7M · commercial $19.0M · consumer $6.6M · securities $235.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.28% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 12.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.7% | 61.2% | 4th |
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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