| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +5.5% | -10.3 pts |
| Deposit growth (YoY) | -2.9% | +5.1% | -8.0 pts |
| Loan growth (YoY) | -3.3% | +5.9% | -9.2 pts |
| ROA | 1.17% | 1.26% | -0.1 pts |
| ROE | 12.6% | 12.2% | +0.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.27B | $1.11B | $940.8M | $121.3M | $7.7M | 1.17% | 3.65% | 0.40% |
| Q1 2026 | $1.34B | $1.17B | $936.3M | $123.0M | $3.6M | 1.07% | 3.47% | 0.39% |
| Q4 2025 | $1.32B | $1.13B | $961.4M | $120.2M | $14.4M | 1.08% | 3.40% | 0.35% |
| Q3 2025 | $1.33B | $1.14B | $967.5M | $122.6M | $10.8M | 1.08% | 3.31% | 0.36% |
| Q2 2025 | $1.33B | $1.14B | $972.6M | $118.2M | $7.0M | 1.05% | 3.26% | 0.35% |
| Q1 2025 | $1.38B | $1.19B | $982.9M | $116.0M | $3.1M | 0.91% | 3.03% | 0.36% |
| Q4 2024 | $1.32B | $1.10B | $998.6M | $112.0M | $10.7M | 0.80% | 2.89% | 0.29% |
| Q3 2024 | $1.35B | $1.11B | $990.5M | $113.2M | $7.5M | 0.74% | 2.77% | 0.29% |
Loan mix (Q2 2026): real estate $819.0M · commercial $58.7M · consumer $22.8M · securities $157.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.26% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 12.2% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 59.0% | 60th |
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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