| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | -2.1% | +4.0% | -6.1 pts |
| Loan growth (YoY) | +11.1% | +5.6% | +5.5 pts |
| ROA | 1.67% | 1.24% | +0.4 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $173.8M | $140.4M | $126.8M | $22.4M | $1.4M | 1.67% | 4.54% | 0.24% |
| Q1 2026 | $172.9M | $149.2M | $119.4M | $21.9M | $774K | 1.81% | 4.54% | 0.28% |
| Q4 2025 | $168.6M | $145.7M | $117.2M | $21.4M | $2.2M | 1.37% | 4.44% | 0.33% |
| Q3 2025 | $166.5M | $138.1M | $114.3M | $20.8M | $1.9M | 1.51% | 4.40% | 0.46% |
| Q2 2025 | $166.1M | $143.5M | $114.1M | $19.9M | $1.2M | 1.42% | 4.32% | 0.34% |
| Q1 2025 | $160.7M | $136.5M | $108.3M | $19.1M | $556K | 1.38% | 4.23% | 0.35% |
| Q4 2024 | $160.6M | $139.0M | $106.0M | $18.3M | $2.9M | 1.85% | 4.03% | 0.33% |
| Q3 2024 | $157.6M | $129.7M | $101.3M | $18.7M | $2.3M | 1.91% | 4.01% | 0.28% |
Loan mix (Q2 2026): real estate $61.1M · commercial $18.1M · consumer $11.0M · securities $32.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.2% | 62.9% | 13th |
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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