| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +4.4% | -10.8 pts |
| Deposit growth (YoY) | -7.6% | +4.0% | -11.6 pts |
| Loan growth (YoY) | -2.4% | +5.6% | -7.9 pts |
| ROA | 0.74% | 1.24% | -0.5 pts |
| ROE | 8.0% | 11.9% | -3.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $196.2M | $172.6M | $93.8M | $18.7M | $736K | 0.74% | 3.23% | 1.80% |
| Q1 2026 | $204.4M | $181.0M | $91.1M | $18.4M | $282K | 0.56% | 3.02% | 1.77% |
| Q4 2025 | $196.2M | $172.9M | $93.0M | $18.2M | $538K | 0.25% | 2.37% | 1.59% |
| Q3 2025 | $212.8M | $189.6M | $92.1M | $18.2M | $352K | 0.22% | 2.24% | 1.32% |
| Q2 2025 | $209.8M | $186.8M | $96.1M | $18.0M | $131K | 0.12% | 2.20% | 1.40% |
| Q1 2025 | $218.6M | $195.5M | $101.2M | $17.9M | $12K | 0.02% | 2.05% | 1.39% |
| Q4 2024 | $220.8M | $183.0M | $102.8M | $17.8M | $-1.0M | -0.45% | 1.79% | 1.10% |
| Q3 2024 | $240.2M | $191.4M | $104.6M | $16.8M | $-774K | -0.44% | 1.75% | 0.96% |
Loan mix (Q2 2026): real estate $85.2M · commercial $5.8M · consumer $2.3M · securities $62.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 62.9% | 78th |
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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