| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +7.3% | +4.0% | +3.4 pts |
| Loan growth (YoY) | +5.7% | +5.6% | +0.1 pts |
| ROA | 0.89% | 1.24% | -0.3 pts |
| ROE | 12.5% | 11.9% | +0.6 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $299.0M | $275.1M | $198.8M | $21.5M | $1.3M | 0.89% | 4.01% | 0.18% |
| Q1 2026 | $291.0M | $268.0M | $192.5M | $20.8M | $595K | 0.82% | 3.91% | 0.19% |
| Q4 2025 | $288.7M | $265.9M | $190.2M | $20.4M | $1.7M | 0.59% | 3.74% | 0.07% |
| Q3 2025 | $285.1M | $262.7M | $189.4M | $20.0M | $1.1M | 0.54% | 3.65% | 0.09% |
| Q2 2025 | $277.7M | $256.3M | $188.2M | $18.7M | $637K | 0.46% | 3.61% | 0.12% |
| Q1 2025 | $275.3M | $254.4M | $186.6M | $18.2M | $277K | 0.40% | 3.52% | 0.40% |
| Q4 2024 | $274.8M | $254.9M | $182.2M | $17.1M | $738K | 0.28% | 3.12% | 0.46% |
| Q3 2024 | $272.2M | $251.3M | $179.5M | $18.0M | $449K | 0.23% | 3.02% | 0.87% |
Loan mix (Q2 2026): real estate $177.5M · commercial $12.4M · consumer $5.4M · securities $55.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 62.9% | 75th |
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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