| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | -0.3% | +4.0% | -4.3 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.5 pts |
| ROA | 0.60% | 1.24% | -0.6 pts |
| ROE | 6.4% | 11.9% | -5.4 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $444.8M | $365.8M | $329.9M | $41.4M | $1.3M | 0.60% | 2.48% | 0.03% |
| Q1 2026 | $442.3M | $364.5M | $322.7M | $41.0M | $681K | 0.61% | 2.43% | 0.00% |
| Q4 2025 | $445.4M | $369.8M | $323.1M | $41.4M | $2.4M | 0.54% | 2.30% | 0.00% |
| Q3 2025 | $444.6M | $374.5M | $322.7M | $40.2M | $1.6M | 0.49% | 2.25% | 0.00% |
| Q2 2025 | $441.8M | $367.1M | $320.0M | $39.0M | $1.0M | 0.46% | 2.24% | 0.00% |
| Q1 2025 | $445.0M | $373.8M | $321.4M | $38.5M | $454K | 0.41% | 2.17% | 0.00% |
| Q4 2024 | $437.4M | $372.2M | $317.7M | $37.9M | $1.5M | 0.36% | 2.04% | 0.00% |
| Q3 2024 | $431.0M | $360.7M | $315.4M | $39.4M | $1.1M | 0.34% | 2.04% | 0.04% |
Loan mix (Q2 2026): real estate $325.3M · commercial $3.3M · consumer $1.8M · securities $79.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 62.9% | 74th |
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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