| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +1.7% | +4.0% | -2.3 pts |
| Loan growth (YoY) | -1.5% | +5.6% | -7.0 pts |
| ROA | 1.47% | 1.24% | +0.2 pts |
| ROE | 10.2% | 11.9% | -1.7 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $136.4M | $116.5M | $77.0M | $19.7M | $992K | 1.47% | 4.79% | 2.29% |
| Q1 2026 | $134.9M | $115.1M | $78.7M | $19.6M | $529K | 1.58% | 4.99% | 2.39% |
| Q4 2025 | $133.6M | $114.2M | $79.3M | $19.2M | $1.5M | 1.10% | 4.50% | 2.54% |
| Q3 2025 | $130.3M | $110.9M | $78.5M | $19.1M | $1.0M | 1.03% | 4.46% | 2.65% |
| Q2 2025 | $133.3M | $114.5M | $78.1M | $18.5M | $755K | 1.12% | 4.43% | 2.61% |
| Q1 2025 | $135.5M | $116.9M | $77.1M | $18.2M | $301K | 0.89% | 4.04% | 2.73% |
| Q4 2024 | $134.6M | $116.9M | $77.7M | $17.5M | $1.2M | 0.94% | 4.19% | 2.54% |
| Q3 2024 | $132.8M | $114.6M | $78.9M | $17.9M | $794K | 0.84% | 4.19% | 2.19% |
Loan mix (Q2 2026): real estate $67.4M · commercial $5.3M · consumer $5.9M · securities $40.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 62.9% | 27th |
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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