| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +3.0% | -7.0 pts |
| Deposit growth (YoY) | -3.9% | +2.5% | -6.4 pts |
| Loan growth (YoY) | +5.0% | +2.6% | +2.4 pts |
| ROA | 1.96% | 0.99% | +1.0 pts |
| ROE | 14.2% | 8.1% | +6.1 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.5M | $47.9M | $46.2M | $7.6M | $572K | 1.96% | 5.17% | 1.29% |
| Q1 2026 | $61.2M | $52.9M | $48.6M | $8.3M | $310K | 2.08% | 4.78% | 0.92% |
| Q4 2025 | $58.2M | $47.9M | $50.0M | $8.4M | $1.0M | 1.82% | 5.42% | 1.53% |
| Q3 2025 | $56.0M | $47.2M | $46.2M | $8.3M | $957K | 2.25% | 5.44% | 1.74% |
| Q2 2025 | $57.8M | $49.8M | $44.1M | $7.9M | $612K | 2.15% | 5.38% | 0.21% |
| Q1 2025 | $57.9M | $50.2M | $44.8M | $7.6M | $297K | 2.10% | 5.27% | 0.18% |
| Q4 2024 | $55.1M | $45.3M | $44.2M | $7.6M | $752K | 1.37% | 5.41% | 0.40% |
| Q3 2024 | $55.2M | $47.6M | $42.8M | $7.6M | $675K | 1.65% | 5.36% | 0.60% |
Loan mix (Q2 2026): real estate $27.3M · commercial $8.5M · consumer $2.9M · securities $3.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 0.99% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 8.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 70.8% | 33th |
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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