| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +3.0% | -3.0 pts |
| Deposit growth (YoY) | -1.1% | +2.5% | -3.6 pts |
| Loan growth (YoY) | -11.2% | +2.6% | -13.8 pts |
| ROA | 0.97% | 0.99% | -0.0 pts |
| ROE | 5.6% | 8.1% | -2.5 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.2M | $42.4M | $16.6M | $9.4M | $262K | 0.97% | 3.97% | 0.00% |
| Q1 2026 | $53.1M | $41.6M | $17.9M | $9.1M | $34K | 0.25% | 3.12% | 1.98% |
| Q4 2025 | $54.4M | $42.5M | $17.5M | $9.5M | $485K | 0.89% | 3.98% | 0.15% |
| Q3 2025 | $52.7M | $40.9M | $17.2M | $9.4M | $433K | 1.06% | 4.02% | 0.00% |
| Q2 2025 | $54.2M | $42.9M | $18.7M | $9.0M | $258K | 0.94% | 3.98% | 0.00% |
| Q1 2025 | $53.4M | $42.1M | $18.4M | $9.0M | $134K | 0.97% | 3.86% | 0.00% |
| Q4 2024 | $57.3M | $46.0M | $17.9M | $8.9M | $561K | 0.98% | 3.84% | 0.00% |
| Q3 2024 | $53.2M | $41.5M | $18.7M | $9.3M | $493K | 1.15% | 3.85% | 0.00% |
Loan mix (Q2 2026): real estate $12.2M · commercial $453K · consumer $1.4M · securities $15.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.99% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 8.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 70.8% | 61th |
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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