| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.5% | +3.0% | -16.5 pts |
| Deposit growth (YoY) | -15.5% | +2.5% | -18.0 pts |
| Loan growth (YoY) | -5.5% | +2.6% | -8.1 pts |
| ROA | 0.92% | 0.99% | -0.1 pts |
| ROE | 8.8% | 8.1% | +0.7 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.9M | $23.1M | $7.4M | $2.8M | $121K | 0.92% | 4.48% | 0.00% |
| Q1 2026 | $26.7M | $23.9M | $8.0M | $2.8M | $67K | 1.01% | 4.44% | 0.00% |
| Q4 2025 | $26.5M | $23.8M | $7.8M | $2.7M | $203K | 0.74% | 4.41% | 0.00% |
| Q3 2025 | $27.4M | $24.7M | $7.8M | $2.7M | $178K | 0.86% | 4.35% | 0.00% |
| Q2 2025 | $30.0M | $27.4M | $7.8M | $2.6M | $118K | 0.85% | 4.14% | 0.00% |
| Q1 2025 | $26.2M | $23.6M | $7.5M | $2.6M | $61K | 0.92% | 4.15% | 0.00% |
| Q4 2024 | $27.0M | $24.5M | $7.8M | $2.5M | $199K | 0.73% | 4.02% | 0.00% |
| Q3 2024 | $26.7M | $24.2M | $7.6M | $2.5M | $163K | 0.80% | 3.97% | 0.00% |
Loan mix (Q2 2026): real estate $2.9M · commercial $1.2M · consumer $2.4M · securities $3.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.99% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 8.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 70.8% | 56th |
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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