| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.6 pts |
| Loan growth (YoY) | +19.1% | +5.6% | +13.5 pts |
| ROA | 1.48% | 1.24% | +0.2 pts |
| ROE | 15.1% | 11.9% | +3.2 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $281.8M | $251.6M | $130.1M | $28.5M | $2.1M | 1.48% | 4.21% | 0.66% |
| Q1 2026 | $289.7M | $260.4M | $124.7M | $27.7M | $1.0M | 1.40% | 4.10% | 0.51% |
| Q4 2025 | $287.6M | $258.0M | $126.2M | $28.1M | $4.3M | 1.49% | 4.06% | 0.46% |
| Q3 2025 | $283.7M | $255.1M | $115.1M | $26.9M | $3.1M | 1.44% | 3.99% | 0.25% |
| Q2 2025 | $281.1M | $253.2M | $109.3M | $25.8M | $2.1M | 1.45% | 3.96% | 0.31% |
| Q1 2025 | $288.5M | $262.2M | $104.6M | $24.0M | $959K | 1.34% | 3.77% | 0.30% |
| Q4 2024 | $282.5M | $259.2M | $102.6M | $21.8M | $2.9M | 1.03% | 3.21% | 0.32% |
| Q3 2024 | $274.9M | $251.0M | $95.8M | $21.9M | $2.0M | 0.95% | 3.08% | 0.26% |
Loan mix (Q2 2026): real estate $79.6M · commercial $10.6M · consumer $13.1M · securities $109.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 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 | 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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