| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.0% | +1.3 pts |
| Deposit growth (YoY) | +4.2% | +2.5% | +1.7 pts |
| Loan growth (YoY) | -7.0% | +2.6% | -9.6 pts |
| ROA | 1.49% | 0.99% | +0.5 pts |
| ROE | 12.9% | 8.1% | +4.8 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $91.5M | $80.5M | $67.1M | $10.4M | $667K | 1.49% | 4.64% | 2.03% |
| Q1 2026 | $90.1M | $79.5M | $67.9M | $10.5M | $343K | 1.54% | 4.66% | 1.41% |
| Q4 2025 | $87.6M | $76.9M | $72.6M | $10.2M | $1.2M | 1.34% | 4.74% | 1.40% |
| Q3 2025 | $90.2M | $79.6M | $71.4M | $10.3M | $933K | 1.41% | 4.60% | 1.60% |
| Q2 2025 | $87.8M | $77.3M | $72.2M | $9.9M | $600K | 1.37% | 4.54% | 1.66% |
| Q1 2025 | $88.0M | $77.8M | $70.8M | $10.0M | $283K | 1.29% | 4.43% | 1.61% |
| Q4 2024 | $87.7M | $77.4M | $70.0M | $9.7M | $1.1M | 1.34% | 4.60% | 1.84% |
| Q3 2024 | $85.7M | $75.6M | $69.7M | $9.8M | $837K | 1.38% | 4.62% | 1.31% |
Loan mix (Q2 2026): real estate $61.7M · commercial $2.8M · consumer $1.0M · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.99% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 8.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 70.8% | 28th |
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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