| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.0% | -3.5 pts |
| Deposit growth (YoY) | -0.9% | +2.5% | -3.4 pts |
| Loan growth (YoY) | +6.3% | +2.6% | +3.7 pts |
| ROA | 1.23% | 0.99% | +0.2 pts |
| ROE | 11.7% | 8.1% | +3.6 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.7M | $68.9M | $49.2M | $8.3M | $481K | 1.23% | 4.18% | 0.10% |
| Q1 2026 | $77.9M | $69.1M | $49.1M | $8.3M | $220K | 1.12% | 4.11% | 0.12% |
| Q4 2025 | $78.7M | $70.2M | $49.4M | $8.1M | $888K | 1.13% | 3.91% | 0.03% |
| Q3 2025 | $81.3M | $72.8M | $48.2M | $8.0M | $619K | 1.05% | 3.80% | 0.02% |
| Q2 2025 | $78.0M | $69.5M | $46.3M | $8.1M | $371K | 0.95% | 3.71% | 0.02% |
| Q1 2025 | $79.9M | $71.4M | $46.2M | $8.1M | $157K | 0.81% | 3.56% | 0.16% |
| Q4 2024 | $75.9M | $67.5M | $45.9M | $8.0M | $585K | 0.76% | 3.29% | 0.06% |
| Q3 2024 | $76.5M | $68.0M | $45.7M | $8.0M | $393K | 0.68% | 3.19% | 0.07% |
Loan mix (Q2 2026): real estate $45.7M · commercial $1.4M · consumer $2.3M · securities $15.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.99% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 8.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 70.8% | 38th |
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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