| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +16.8% | +5.6% | +11.3 pts |
| ROA | 8.63% | 1.24% | +7.4 pts |
| ROE | 40.0% | 11.9% | +28.1 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191.0M | $128.7M | $129.3M | $40.6M | $7.8M | 8.63% | 2.22% | 0.00% |
| Q1 2026 | $177.8M | $117.1M | $106.0M | $40.3M | $3.9M | 8.96% | 2.17% | 0.00% |
| Q4 2025 | $174.1M | $118.5M | $112.8M | $36.3M | $14.5M | 7.97% | 2.24% | 0.00% |
| Q3 2025 | $183.8M | $128.2M | $112.9M | $38.0M | $9.9M | 7.20% | 2.25% | 0.00% |
| Q2 2025 | $183.0M | $124.2M | $110.7M | $36.7M | $6.5M | 7.06% | 2.26% | 0.00% |
| Q1 2025 | $183.5M | $126.3M | $104.1M | $36.4M | $3.4M | 7.45% | 2.10% | 0.00% |
| Q4 2024 | $182.7M | $130.1M | $98.1M | $33.0M | $13.7M | 7.63% | 2.09% | 0.00% |
| Q3 2024 | $195.6M | $142.6M | $87.4M | $35.1M | $10.0M | 7.46% | 2.15% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $14.3M · consumer $99.1M · securities $31.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 8.63% | 1.24% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 40.0% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 62.9% | 86th |
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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