| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.4% | +4.4% | +10.1 pts |
| Deposit growth (YoY) | +16.1% | +4.0% | +12.2 pts |
| Loan growth (YoY) | +11.2% | +5.6% | +5.6 pts |
| ROA | 1.52% | 1.24% | +0.3 pts |
| ROE | 15.5% | 11.9% | +3.6 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $421.8M | $376.9M | $345.1M | $40.9M | $3.1M | 1.52% | 3.69% | 0.00% |
| Q1 2026 | $409.1M | $365.0M | $337.2M | $39.5M | $1.6M | 1.61% | 3.74% | 0.00% |
| Q4 2025 | $377.1M | $336.3M | $322.5M | $37.9M | $6.4M | 1.69% | 4.07% | 0.00% |
| Q3 2025 | $381.6M | $336.0M | $311.4M | $42.7M | $5.0M | 1.76% | 4.02% | 0.00% |
| Q2 2025 | $368.6M | $324.6M | $310.3M | $41.1M | $3.4M | 1.81% | 4.03% | 0.00% |
| Q1 2025 | $389.3M | $348.1M | $304.9M | $39.4M | $1.7M | 1.83% | 3.93% | 0.00% |
| Q4 2024 | $374.1M | $335.0M | $308.1M | $37.7M | $5.0M | 1.39% | 3.80% | 0.00% |
| Q3 2024 | $364.1M | $321.3M | $303.2M | $41.7M | $4.1M | 1.52% | 3.75% | 0.00% |
Loan mix (Q2 2026): real estate $300.9M · commercial $47.6M · consumer $90K · securities $16.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.5% | 62.9% | 5th |
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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