| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.2 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.1 pts |
| Loan growth (YoY) | +11.3% | +5.6% | +5.8 pts |
| ROA | 1.47% | 1.24% | +0.2 pts |
| ROE | 13.5% | 11.9% | +1.6 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $499.2M | $440.4M | $360.5M | $55.2M | $3.6M | 1.47% | 4.42% | 0.83% |
| Q1 2026 | $507.0M | $449.0M | $346.0M | $54.0M | $1.9M | 1.50% | 4.46% | 0.17% |
| Q4 2025 | $483.4M | $427.0M | $338.4M | $52.4M | $7.1M | 1.48% | 4.46% | 0.19% |
| Q3 2025 | $490.3M | $434.7M | $332.9M | $51.8M | $5.3M | 1.47% | 4.40% | 0.18% |
| Q2 2025 | $477.6M | $424.0M | $323.7M | $49.8M | $3.5M | 1.47% | 4.34% | 0.20% |
| Q1 2025 | $480.8M | $428.1M | $318.4M | $48.3M | $1.6M | 1.38% | 4.25% | 0.39% |
| Q4 2024 | $463.3M | $412.8M | $319.6M | $46.5M | $6.1M | 1.37% | 4.35% | 0.27% |
| Q3 2024 | $447.7M | $397.4M | $314.8M | $46.2M | $4.6M | 1.41% | 4.34% | 0.17% |
Loan mix (Q2 2026): real estate $289.0M · commercial $28.9M · consumer $18.6M · securities $81.8M
| Ratio | The Napoleon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 62.9% | 27th |
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 | The Napoleon State Bank | 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 | The Napoleon State Bank | 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 | The Napoleon State Bank | 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 | The Napoleon State Bank | 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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