| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.9% | +4.4% | +15.5 pts |
| Deposit growth (YoY) | +30.2% | +4.0% | +26.2 pts |
| Loan growth (YoY) | +12.1% | +5.6% | +6.5 pts |
| ROA | -25.68% | 1.24% | -26.9 pts |
| ROE | -109.6% | 11.9% | -121.5 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $337.8M | $209.8M | $87.4M | $68.9M | $-46.6M | -25.68% | 7.26% | 0.12% |
| Q1 2026 | $374.3M | $220.1M | $91.1M | $91.5M | $-23.1M | -24.68% | 6.79% | 0.14% |
| Q4 2025 | $376.2M | $211.4M | $86.9M | $94.7M | $-91.8M | -26.42% | 6.51% | 0.19% |
| Q3 2025 | $275.5M | $159.7M | $80.4M | $53.8M | $-71.0M | -27.83% | 6.41% | 0.26% |
| Q2 2025 | $281.9M | $161.2M | $78.0M | $69.5M | $-45.4M | -25.08% | 5.65% | 0.15% |
| Q1 2025 | $355.3M | $214.7M | $80.3M | $87.5M | $-25.1M | -24.96% | 4.62% | 0.14% |
| Q4 2024 | $447.6M | $336.8M | $72.1M | $60.1M | $-65.0M | -13.68% | 2.63% | 0.05% |
| Q3 2024 | $427.2M | $302.4M | $67.2M | $76.8M | $-47.1M | -13.04% | 2.32% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $96.5M · securities $29.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -25.68% | 1.24% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -109.6% | 11.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 131.1% | 62.9% | 99th |
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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