| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.4% | +2.7 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 1.96% | 1.24% | +0.7 pts |
| ROE | 16.9% | 11.9% | +5.1 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $286.2M | $243.5M | $242.3M | $33.0M | $2.7M | 1.96% | 4.90% | 0.37% |
| Q1 2026 | $277.6M | $240.0M | $231.0M | $31.6M | $1.3M | 1.92% | 4.84% | 0.21% |
| Q4 2025 | $269.8M | $231.7M | $228.9M | $32.1M | $4.7M | 1.76% | 4.77% | 0.42% |
| Q3 2025 | $269.0M | $230.9M | $229.3M | $31.0M | $3.6M | 1.83% | 4.72% | 0.45% |
| Q2 2025 | $267.3M | $232.0M | $226.5M | $29.6M | $2.4M | 1.79% | 4.64% | 0.40% |
| Q1 2025 | $267.5M | $231.2M | $219.2M | $28.2M | $1.1M | 1.68% | 4.54% | 0.15% |
| Q4 2024 | $254.4M | $217.6M | $219.7M | $28.5M | $3.8M | 1.55% | 4.54% | 0.29% |
| Q3 2024 | $255.1M | $220.5M | $215.9M | $28.0M | $2.9M | 1.57% | 4.47% | 0.21% |
Loan mix (Q2 2026): real estate $192.2M · commercial $25.1M · consumer $16.8M · securities $21.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 62.9% | 12th |
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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