| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +8.8% | +5.6% | +3.2 pts |
| ROA | 2.05% | 1.24% | +0.8 pts |
| ROE | 16.0% | 11.9% | +4.1 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 | $255.4M | $209.8M | $181.5M | $33.1M | $2.6M | 2.05% | 5.35% | 0.03% |
| Q1 2026 | $247.3M | $202.8M | $171.3M | $32.2M | $1.2M | 1.99% | 5.28% | 0.03% |
| Q4 2025 | $250.0M | $206.1M | $162.2M | $31.5M | $4.5M | 1.88% | 5.25% | 0.04% |
| Q3 2025 | $255.1M | $211.2M | $163.5M | $31.3M | $3.8M | 2.09% | 5.23% | 0.03% |
| Q2 2025 | $240.6M | $198.1M | $166.8M | $29.8M | $2.3M | 1.96% | 5.16% | 0.04% |
| Q1 2025 | $232.8M | $196.0M | $160.7M | $29.0M | $1.1M | 1.85% | 5.14% | 0.00% |
| Q4 2024 | $231.1M | $195.6M | $148.4M | $28.1M | $4.3M | 1.80% | 5.07% | 0.00% |
| Q3 2024 | $250.5M | $198.8M | $159.5M | $27.8M | $3.6M | 1.98% | 5.00% | 1.11% |
Loan mix (Q2 2026): real estate $177.3M · commercial $4.6M · consumer $1.7M · securities $30.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 62.9% | 18th |
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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