| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -26.5% | +5.5% | -32.0 pts |
| Deposit growth (YoY) | -30.5% | +5.1% | -35.5 pts |
| Loan growth (YoY) | -14.5% | +5.9% | -20.4 pts |
| ROA | 1.62% | 1.26% | +0.4 pts |
| ROE | 5.7% | 12.2% | -6.5 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.59B | $1.67B | $1.71B | $780.2M | $21.9M | 1.62% | 2.35% | 0.83% |
| Q1 2026 | $2.70B | $1.79B | $1.78B | $770.0M | $11.7M | 1.69% | 2.34% | 0.81% |
| Q4 2025 | $2.82B | $1.92B | $1.85B | $758.3M | $55.8M | 1.48% | 2.07% | 0.92% |
| Q3 2025 | $3.66B | $2.67B | $1.92B | $851.1M | $43.6M | 1.45% | 1.97% | 0.76% |
| Q2 2025 | $3.53B | $2.41B | $2.00B | $837.7M | $30.6M | 1.49% | 1.97% | 0.81% |
| Q1 2025 | $4.32B | $3.29B | $2.08B | $820.2M | $14.4M | 1.31% | 1.89% | 0.61% |
| Q4 2024 | $4.47B | $3.50B | $2.15B | $804.4M | $45.8M | 1.15% | 1.70% | 0.63% |
| Q3 2024 | $3.88B | $2.92B | $2.23B | $784.8M | $31.0M | 1.07% | 1.72% | 0.74% |
Loan mix (Q2 2026): real estate $1.71B · commercial $0 · consumer $33K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.26% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 12.2% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.35% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 14.5% | 59.0% | 1th |
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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