| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.0% | +3.5 pts |
| Deposit growth (YoY) | +1.0% | +2.5% | -1.5 pts |
| Loan growth (YoY) | +7.9% | +2.6% | +5.3 pts |
| ROA | 0.89% | 0.99% | -0.1 pts |
| ROE | 6.8% | 8.1% | -1.3 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.7M | $25.0M | $25.4M | $4.1M | $136K | 0.89% | 4.32% | 0.94% |
| Q1 2026 | $30.8M | $26.6M | $25.1M | $4.0M | $94K | 1.23% | 4.24% | 1.69% |
| Q4 2025 | $30.1M | $25.9M | $24.1M | $3.9M | $294K | 1.01% | 4.21% | 1.45% |
| Q3 2025 | $29.7M | $25.4M | $24.4M | $4.0M | $284K | 1.31% | 4.16% | 2.66% |
| Q2 2025 | $28.8M | $24.7M | $23.5M | $3.8M | $108K | 0.75% | 4.10% | 1.28% |
| Q1 2025 | $28.7M | $24.7M | $22.5M | $3.8M | $80K | 1.12% | 4.03% | 1.29% |
| Q4 2024 | $28.6M | $23.5M | $22.9M | $3.7M | $303K | 1.06% | 4.17% | 1.30% |
| Q3 2024 | $28.8M | $24.8M | $22.7M | $3.8M | $279K | 1.30% | 4.21% | 3.08% |
Loan mix (Q2 2026): real estate $16.3M · commercial $1.6M · consumer $945K · securities $3.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.99% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 8.1% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 70.8% | 48th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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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