| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +5.5% | +4.7 pts |
| Deposit growth (YoY) | +5.1% | +5.1% | +0.0 pts |
| Loan growth (YoY) | +13.8% | +5.9% | +7.8 pts |
| ROA | 1.13% | 1.26% | -0.1 pts |
| ROE | 13.2% | 12.2% | +1.1 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.97B | $2.56B | $2.07B | $252.6M | $16.2M | 1.13% | 3.11% | 0.06% |
| Q1 2026 | $2.86B | $2.58B | $2.00B | $244.3M | $7.9M | 1.13% | 3.08% | 0.09% |
| Q4 2025 | $2.75B | $2.47B | $1.89B | $238.8M | $29.8M | 1.10% | 2.97% | 0.08% |
| Q3 2025 | $2.74B | $2.47B | $1.90B | $229.1M | $21.5M | 1.07% | 2.92% | 0.11% |
| Q2 2025 | $2.70B | $2.44B | $1.82B | $217.6M | $13.8M | 1.04% | 2.89% | 0.13% |
| Q1 2025 | $2.71B | $2.46B | $1.80B | $210.3M | $6.5M | 0.98% | 2.83% | 0.23% |
| Q4 2024 | $2.58B | $2.34B | $1.78B | $202.6M | $22.7M | 0.90% | 2.69% | 0.30% |
| Q3 2024 | $2.62B | $2.34B | $1.78B | $205.8M | $16.5M | 0.87% | 2.65% | 0.29% |
Loan mix (Q2 2026): real estate $1.63B · commercial $245.5M · consumer $66.3M · securities $509.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.26% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.2% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 59.0% | 47th |
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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