| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.0% | +2.6 pts |
| Deposit growth (YoY) | +4.3% | +2.5% | +1.8 pts |
| Loan growth (YoY) | -13.2% | +2.6% | -15.8 pts |
| ROA | 0.87% | 0.99% | -0.1 pts |
| ROE | 4.2% | 8.1% | -3.9 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.7M | $39.1M | $7.0M | $10.2M | $213K | 0.87% | 2.64% | 0.40% |
| Q1 2026 | $47.3M | $36.8M | $6.3M | $10.1M | $129K | 1.06% | 2.55% | 0.43% |
| Q4 2025 | $50.0M | $39.6M | $6.6M | $10.0M | $1.1M | 2.29% | 2.88% | 0.41% |
| Q3 2025 | $49.1M | $38.9M | $7.1M | $9.7M | $855K | 2.34% | 2.93% | 3.29% |
| Q2 2025 | $47.0M | $37.5M | $8.0M | $9.2M | $307K | 1.27% | 3.06% | 0.07% |
| Q1 2025 | $48.2M | $38.9M | $8.3M | $9.0M | $140K | 1.14% | 2.90% | 0.07% |
| Q4 2024 | $50.1M | $40.9M | $8.0M | $8.9M | $520K | 1.08% | 2.65% | 0.07% |
| Q3 2024 | $48.5M | $39.4M | $7.9M | $8.8M | $371K | 1.04% | 2.60% | 0.07% |
Loan mix (Q2 2026): real estate $2.3M · commercial $1.2M · consumer $618K · securities $23.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.99% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 8.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 70.8% | 55th |
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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