| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +5.5% | -3.8 pts |
| Deposit growth (YoY) | +0.9% | +5.1% | -4.2 pts |
| Loan growth (YoY) | +0.4% | +5.9% | -5.6 pts |
| ROA | 0.57% | 1.26% | -0.7 pts |
| ROE | 6.3% | 12.2% | -5.9 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.83B | $1.65B | $1.00B | $169.2M | $5.2M | 0.57% | 3.03% | 0.03% |
| Q1 2026 | $1.83B | $1.65B | $986.3M | $164.6M | $5.1M | 1.12% | 2.99% | 0.03% |
| Q4 2025 | $1.82B | $1.65B | $989.4M | $162.0M | $16.9M | 0.93% | 2.72% | 0.06% |
| Q3 2025 | $1.80B | $1.57B | $1.01B | $164.8M | $10.8M | 0.80% | 2.62% | 0.13% |
| Q2 2025 | $1.80B | $1.64B | $1.00B | $154.1M | $6.1M | 0.67% | 2.53% | 0.12% |
| Q1 2025 | $1.83B | $1.67B | $993.7M | $147.6M | $3.4M | 0.74% | 2.43% | 0.13% |
| Q4 2024 | $1.81B | $1.66B | $978.3M | $136.6M | $11.0M | 0.63% | 2.25% | 0.15% |
| Q3 2024 | $1.78B | $1.61B | $991.8M | $163.1M | $7.6M | 0.59% | 2.19% | 0.13% |
Loan mix (Q2 2026): real estate $858.4M · commercial $40.6M · consumer $44.9M · securities $652.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 1.26% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 12.2% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 59.0% | 49th |
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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