Good performance is an opinion that may look different to a stockholder than a customer. The customer wants good service and a secure place to park their money. The stockholder wants a better return than he/she would get from having their money on deposit because they're taking a greater risk owning stock than an insured account. To evaluate a bank's performance from an investor's viewpoint, I would compare their earnings per share (EPS) to their competitors operating in the same economy.