| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +4.4% | -9.9 pts |
| Deposit growth (YoY) | -3.8% | +4.0% | -7.7 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.1 pts |
| ROA | -0.80% | 1.24% | -2.0 pts |
| ROE | -6.7% | 11.9% | -18.6 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $212.0M | $164.3M | $97.1M | $25.2M | $-860K | -0.80% | 1.28% | 0.37% |
| Q1 2026 | $213.6M | $165.3M | $95.9M | $25.7M | $-394K | -0.73% | 1.28% | 0.25% |
| Q4 2025 | $218.8M | $166.2M | $95.4M | $26.0M | $-1.4M | -0.61% | 1.15% | 0.27% |
| Q3 2025 | $221.3M | $168.6M | $93.8M | $26.1M | $-1.3M | -0.78% | 1.14% | 0.23% |
| Q2 2025 | $224.3M | $170.8M | $94.7M | $26.3M | $-990K | -0.87% | 1.11% | 0.30% |
| Q1 2025 | $229.0M | $174.9M | $92.6M | $26.8M | $-486K | -0.85% | 1.09% | 0.07% |
| Q4 2024 | $229.9M | $175.3M | $93.5M | $27.2M | $-1.8M | -0.82% | 1.02% | 0.13% |
| Q3 2024 | $221.3M | $166.9M | $93.2M | $27.3M | $-1.8M | -1.10% | 1.02% | 0.34% |
Loan mix (Q2 2026): real estate $94.8M · commercial $0 · consumer $2.6M · securities $85.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.80% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | -6.7% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 1.28% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 155.7% |
Peer lists, growth filters, CSV export, CRM push.
| 62.9% |
| — |
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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