| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.8 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.1 pts |
| ROA | 0.80% | 1.24% | -0.4 pts |
| ROE | 9.7% | 11.9% | -2.2 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $213.4M | $194.0M | $140.5M | $18.0M | $855K | 0.80% | 3.50% | 0.01% |
| Q1 2026 | $215.8M | $195.6M | $139.5M | $17.7M | $398K | 0.75% | 3.43% | 0.01% |
| Q4 2025 | $210.4M | $183.9M | $140.6M | $17.2M | $1.4M | 0.69% | 3.20% | 0.01% |
| Q3 2025 | $205.7M | $179.8M | $137.5M | $16.9M | $1.1M | 0.73% | 3.17% | 0.01% |
| Q2 2025 | $206.4M | $188.0M | $134.4M | $16.0M | $692K | 0.67% | 3.05% | 0.01% |
| Q1 2025 | $210.5M | $192.7M | $128.5M | $15.4M | $198K | 0.38% | 2.84% | 0.27% |
| Q4 2024 | $207.3M | $182.6M | $127.6M | $14.7M | $884K | 0.43% | 2.80% | 0.27% |
| Q3 2024 | $206.5M | $179.0M | $125.1M | $15.4M | $702K | 0.46% | 2.81% | 0.27% |
Loan mix (Q2 2026): real estate $84.3M · commercial $15.8M · consumer $1.3M · securities $46.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 62.9% | 74th |
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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