| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +3.0% | -2.9 pts |
| Deposit growth (YoY) | +1.5% | +2.5% | -1.0 pts |
| Loan growth (YoY) | -12.9% | +2.6% | -15.5 pts |
| ROA | 1.24% | 0.99% | +0.2 pts |
| ROE | 18.0% | 8.1% | +9.9 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $71.8M | $65.3M | $43.5M | $5.1M | $442K | 1.24% | 4.66% | 0.00% |
| Q1 2026 | $72.1M | $65.7M | $49.7M | $4.9M | $223K | 1.25% | 4.66% | 0.79% |
| Q4 2025 | $70.2M | $64.0M | $50.6M | $4.7M | $-43K | -0.06% | 4.50% | 0.82% |
| Q3 2025 | $70.2M | $63.9M | $50.3M | $4.4M | $-309K | -0.57% | 4.38% | 0.85% |
| Q2 2025 | $71.7M | $64.3M | $50.0M | $4.7M | $247K | 0.68% | 4.26% | 0.00% |
| Q1 2025 | $72.8M | $63.7M | $49.7M | $4.5M | $162K | 0.89% | 4.01% | 0.00% |
| Q4 2024 | $73.2M | $58.5M | $48.9M | $4.6M | $368K | 0.50% | 3.69% | 0.00% |
| Q3 2024 | $73.6M | $57.5M | $47.8M | $4.9M | $289K | 0.52% | 3.77% | 0.00% |
Loan mix (Q2 2026): real estate $38.1M · commercial $1.0M · consumer $3.5M · securities $12.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.99% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 8.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 70.8% | 58th |
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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