| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.8 pts |
| Deposit growth (YoY) | +8.3% | +4.0% | +4.4 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 1.67% | 1.24% | +0.4 pts |
| ROE | 17.9% | 11.9% | +6.0 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $449.8M | $394.6M | $309.2M | $42.5M | $3.7M | 1.67% | 4.87% | 0.25% |
| Q1 2026 | $442.4M | $380.8M | $306.7M | $40.1M | $1.8M | 1.67% | 4.83% | 0.15% |
| Q4 2025 | $434.0M | $370.1M | $300.1M | $41.1M | $6.1M | 1.44% | 4.58% | 0.15% |
| Q3 2025 | $432.2M | $368.2M | $298.2M | $39.6M | $4.4M | 1.38% | 4.51% | 0.21% |
| Q2 2025 | $419.6M | $364.3M | $288.4M | $36.4M | $2.7M | 1.27% | 4.40% | 0.38% |
| Q1 2025 | $423.5M | $368.2M | $279.0M | $37.3M | $1.5M | 1.43% | 4.37% | 0.46% |
| Q4 2024 | $411.1M | $355.7M | $276.4M | $37.8M | $5.3M | 1.26% | 4.14% | 0.27% |
| Q3 2024 | $416.3M | $358.0M | $269.6M | $39.6M | $3.8M | 1.20% | 4.03% | 0.20% |
Loan mix (Q2 2026): real estate $195.9M · commercial $36.2M · consumer $24.4M · securities $94.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 62.9% | 63th |
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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