| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +9.5% | +5.6% | +3.9 pts |
| ROA | 1.93% | 1.24% | +0.7 pts |
| ROE | 16.3% | 11.9% | +4.4 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $397.0M | $348.1M | $307.7M | $45.4M | $3.7M | 1.93% | 4.35% | 0.87% |
| Q1 2026 | $380.1M | $331.0M | $295.2M | $45.7M | $2.0M | 2.09% | 4.29% | 0.52% |
| Q4 2025 | $374.9M | $326.5M | $297.4M | $45.2M | $6.5M | 1.77% | 4.21% | 0.47% |
| Q3 2025 | $374.5M | $327.2M | $290.8M | $43.5M | $5.0M | 1.83% | 4.09% | 0.42% |
| Q2 2025 | $385.2M | $339.7M | $281.0M | $42.1M | $3.0M | 1.66% | 3.94% | 0.19% |
| Q1 2025 | $350.4M | $305.4M | $275.0M | $41.8M | $1.5M | 1.73% | 3.85% | 0.23% |
| Q4 2024 | $354.1M | $305.3M | $285.8M | $40.9M | $5.1M | 1.48% | 3.74% | 0.52% |
| Q3 2024 | $348.3M | $300.1M | $285.7M | $39.6M | $3.9M | 1.49% | 3.68% | 0.21% |
Loan mix (Q2 2026): real estate $257.1M · commercial $23.7M · consumer $14.5M · securities $71.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 62.9% | 20th |
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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