| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +27.0% | +4.4% | +22.6 pts |
| Deposit growth (YoY) | +31.7% | +4.0% | +27.8 pts |
| Loan growth (YoY) | +47.8% | +5.6% | +42.2 pts |
| ROA | 1.23% | 1.24% | -0.0 pts |
| ROE | 11.0% | 11.9% | -0.9 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $330.3M | $280.4M | $266.0M | $36.9M | $2.0M | 1.23% | 5.23% | 0.25% |
| Q1 2026 | $332.9M | $283.8M | $243.5M | $36.2M | $815K | 1.00% | 5.03% | 0.15% |
| Q4 2025 | $316.2M | $268.0M | $226.2M | $36.1M | $4.3M | 1.60% | 5.19% | 0.13% |
| Q3 2025 | $266.3M | $217.9M | $189.6M | $35.1M | $3.2M | 1.65% | 5.20% | 0.12% |
| Q2 2025 | $260.2M | $212.9M | $179.9M | $34.5M | $2.1M | 1.63% | 5.14% | 0.13% |
| Q1 2025 | $253.8M | $207.3M | $176.7M | $33.8M | $976K | 1.57% | 5.05% | 0.12% |
| Q4 2024 | $242.8M | $197.7M | $176.7M | $33.3M | $3.3M | 1.56% | 5.66% | 0.02% |
| Q3 2024 | $228.1M | $182.2M | $157.0M | $33.1M | $2.6M | 1.67% | 5.77% | 0.13% |
Loan mix (Q2 2026): real estate $213.7M · commercial $24.9M · consumer $2.7M · securities $38.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 62.9% | 63th |
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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