| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.6 pts |
| Loan growth (YoY) | +9.8% | +5.6% | +4.2 pts |
| ROA | 1.84% | 1.24% | +0.6 pts |
| ROE | 15.6% | 11.9% | +3.7 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $371.9M | $325.5M | $237.2M | $44.8M | $3.4M | 1.84% | 4.76% | 0.68% |
| Q1 2026 | $364.3M | $319.0M | $227.2M | $43.3M | $1.7M | 1.91% | 4.65% | 0.88% |
| Q4 2025 | $362.6M | $316.0M | $224.1M | $41.7M | $6.5M | 1.79% | 4.51% | 0.94% |
| Q3 2025 | $361.1M | $316.5M | $219.0M | $42.7M | $4.7M | 1.73% | 4.44% | 0.94% |
| Q2 2025 | $360.8M | $318.2M | $216.1M | $40.4M | $2.9M | 1.61% | 4.34% | 0.93% |
| Q1 2025 | $369.0M | $328.1M | $213.2M | $38.5M | $1.4M | 1.58% | 4.22% | 0.70% |
| Q4 2024 | $361.9M | $320.9M | $208.1M | $36.2M | $5.2M | 1.53% | 4.13% | 0.77% |
| Q3 2024 | $365.0M | $325.0M | $203.0M | $37.7M | $3.6M | 1.45% | 4.09% | 0.74% |
Loan mix (Q2 2026): real estate $183.0M · commercial $20.0M · consumer $32.0M · securities $90.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 62.9% | 21th |
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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