| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.9% | -1.8 pts |
| Deposit growth (YoY) | -2.9% | +5.7% | -8.6 pts |
| Loan growth (YoY) | +3.6% | +6.9% | -3.3 pts |
| ROA | 0.60% | 1.23% | -0.6 pts |
| ROE | 6.1% | 11.2% | -5.1 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 | $18.06B | $10.18B | $16.20B | $1.79B | $53.4M | 0.60% | 1.85% | 0.23% |
| Q1 2026 | $17.47B | $10.30B | $15.75B | $1.74B | $23.2M | 0.53% | 1.82% | 0.22% |
| Q4 2025 | $17.49B | $10.54B | $15.76B | $1.70B | $88.7M | 0.51% | 1.79% | 0.23% |
| Q3 2025 | $17.44B | $10.58B | $15.72B | $1.74B | $66.8M | 0.52% | 1.78% | 0.23% |
| Q2 2025 | $17.36B | $10.49B | $15.63B | $1.72B | $41.2M | 0.48% | 1.75% | 0.22% |
| Q1 2025 | $17.10B | $10.51B | $15.37B | $1.72B | $20.4M | 0.48% | 1.73% | 0.22% |
| Q4 2024 | $17.05B | $10.37B | $15.34B | $1.72B | $76.8M | 0.45% | 1.66% | 0.21% |
| Q3 2024 | $17.08B | $10.32B | $15.34B | $1.69B | $55.1M | 0.43% | 1.66% | 0.20% |
Loan mix (Q2 2026): real estate $16.26B · commercial $0 · consumer $7.4M · securities $478.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.23% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 11.3% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.85% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 54.9% | 75th |
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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