| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +3.1% | +4.0% | -0.9 pts |
| Loan growth (YoY) | -3.4% | +5.6% | -9.0 pts |
| ROA | 1.33% | 1.24% | +0.1 pts |
| ROE | 9.1% | 11.9% | -2.8 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $124.5M | $106.3M | $39.8M | $17.7M | $807K | 1.33% | 3.74% | 0.00% |
| Q1 2026 | $121.4M | $103.2M | $39.4M | $17.7M | $456K | 1.52% | 3.72% | 0.00% |
| Q4 2025 | $118.1M | $99.6M | $40.2M | $18.0M | $2.2M | 1.81% | 3.83% | 0.03% |
| Q3 2025 | $121.5M | $103.4M | $40.9M | $17.4M | $1.6M | 1.78% | 3.80% | 0.00% |
| Q2 2025 | $122.2M | $103.1M | $41.3M | $16.7M | $1.1M | 1.87% | 3.80% | 0.00% |
| Q1 2025 | $118.9M | $102.0M | $41.6M | $16.4M | $497K | 1.69% | 3.74% | 0.02% |
| Q4 2024 | $115.8M | $100.0M | $40.8M | $15.4M | $2.1M | 1.86% | 3.64% | 0.02% |
| Q3 2024 | $111.9M | $95.8M | $42.0M | $15.6M | $1.5M | 1.77% | 3.58% | 0.16% |
Loan mix (Q2 2026): real estate $33.4M · commercial $3.0M · consumer $3.8M · securities $61.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.7% | 62.9% | 26th |
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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