| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +3.0% | +9.6 pts |
| Deposit growth (YoY) | +14.2% | +2.5% | +11.7 pts |
| Loan growth (YoY) | +11.9% | +2.6% | +9.3 pts |
| ROA | 1.39% | 0.99% | +0.4 pts |
| ROE | 12.0% | 8.1% | +3.9 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $62.1M | $53.6M | $31.5M | $8.1M | $479K | 1.39% | 3.48% | 2.09% |
| Q1 2026 | $58.4M | $50.2M | $30.8M | $7.9M | $262K | 1.45% | 3.43% | 0.00% |
| Q4 2025 | $85.9M | $77.9M | $33.5M | $7.9M | $814K | 1.22% | 3.25% | 0.08% |
| Q3 2025 | $56.4M | $47.9M | $30.8M | $8.2M | $623K | 1.34% | 3.34% | 0.24% |
| Q2 2025 | $55.2M | $47.0M | $28.2M | $7.9M | $351K | 1.10% | 3.18% | 0.14% |
| Q1 2025 | $57.0M | $47.8M | $28.2M | $7.7M | $185K | 1.09% | 2.94% | 0.14% |
| Q4 2024 | $78.6M | $70.9M | $29.3M | $7.5M | $685K | 1.09% | 2.99% | 0.00% |
| Q3 2024 | $56.6M | $48.5M | $27.6M | $7.8M | $484K | 1.10% | 3.04% | 0.00% |
Loan mix (Q2 2026): real estate $12.9M · commercial $4.9M · consumer $2.2M · securities $9.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.99% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 8.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 70.8% | 5th |
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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