| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +7.3% | +4.0% | +3.4 pts |
| Loan growth (YoY) | +8.8% | +5.6% | +3.2 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 17.6% | 11.9% | +5.7 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $129.2M | $119.7M | $85.7M | $8.9M | $768K | 1.20% | 3.97% | 0.81% |
| Q1 2026 | $125.6M | $116.2M | $82.1M | $8.8M | $368K | 1.16% | 3.86% | 0.28% |
| Q4 2025 | $128.0M | $118.7M | $81.2M | $8.4M | $1.2M | 1.00% | 3.74% | 0.41% |
| Q3 2025 | $126.2M | $117.2M | $80.7M | $8.5M | $866K | 0.95% | 3.65% | 0.43% |
| Q2 2025 | $120.0M | $111.5M | $78.8M | $8.0M | $586K | 0.98% | 3.61% | 0.44% |
| Q1 2025 | $118.7M | $110.6M | $75.3M | $7.6M | $263K | 0.88% | 3.52% | 0.06% |
| Q4 2024 | $119.2M | $111.1M | $72.9M | $7.2M | $884K | 0.78% | 3.37% | 0.05% |
| Q3 2024 | $115.6M | $107.4M | $72.8M | $7.8M | $604K | 0.72% | 3.30% | 0.49% |
Loan mix (Q2 2026): real estate $54.8M · commercial $11.6M · consumer $12.1M · securities $22.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 62.9% | 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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