| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +5.5% | -0.9 pts |
| Deposit growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Loan growth (YoY) | +2.8% | +5.9% | -3.1 pts |
| ROA | 1.28% | 1.26% | +0.0 pts |
| ROE | 11.2% | 12.2% | -0.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.49B | $2.87B | $2.68B | $400.8M | $22.2M | 1.28% | 3.54% | 0.21% |
| Q1 2026 | $3.48B | $2.82B | $2.66B | $395.0M | $10.0M | 1.15% | 3.47% | 0.33% |
| Q4 2025 | $3.43B | $2.74B | $2.69B | $392.7M | $34.9M | 1.03% | 3.38% | 0.33% |
| Q3 2025 | $3.38B | $2.76B | $2.64B | $383.9M | $24.8M | 0.98% | 3.32% | 0.15% |
| Q2 2025 | $3.34B | $2.71B | $2.61B | $372.9M | $15.6M | 0.93% | 3.24% | 0.11% |
| Q1 2025 | $3.38B | $2.70B | $2.56B | $367.1M | $7.4M | 0.88% | 3.11% | 0.13% |
| Q4 2024 | $3.36B | $2.69B | $2.54B | $358.1M | $27.5M | 0.83% | 2.84% | 0.09% |
| Q3 2024 | $3.38B | $2.69B | $2.51B | $358.5M | $19.0M | 0.76% | 2.79% | 0.09% |
Loan mix (Q2 2026): real estate $2.05B · commercial $337.5M · consumer $50.2M · securities $440.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.26% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.2% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 59.0% | 39th |
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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