| Metric | Adams County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | -0.5% | +4.0% | -4.4 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 18.5% | 11.9% | +6.6 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $241.1M | $154.6M | $153.4M | $24.9M | $2.2M | 1.86% | 3.17% | 0.00% |
| Q1 2026 | $241.6M | $157.4M | $147.9M | $23.8M | $1.1M | 1.84% | 3.26% | 0.00% |
| Q4 2025 | $240.2M | $148.6M | $156.4M | $24.1M | $3.4M | 1.41% | 2.88% | 0.00% |
| Q3 2025 | $236.3M | $145.7M | $154.8M | $23.6M | $2.9M | 1.65% | 2.91% | 0.09% |
| Q2 2025 | $237.2M | $155.3M | $143.1M | $21.6M | $1.9M | 1.58% | 2.86% | 0.00% |
| Q1 2025 | $241.1M | $159.8M | $140.9M | $20.6M | $884K | 1.48% | 2.79% | 0.32% |
| Q4 2024 | $235.5M | $150.3M | $153.2M | $20.4M | $2.9M | 1.22% | 2.71% | 0.17% |
| Q3 2024 | $240.3M | $145.9M | $155.0M | $21.5M | $2.5M | 1.41% | 2.70% | 0.00% |
Loan mix (Q2 2026): real estate $91.7M · commercial $10.4M · consumer $1.1M · securities $66.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Adams County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 18.5% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.3% | 62.9% | 3th |
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 | Adams County Bank | 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 | Adams County Bank | 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 | Adams County Bank | 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 | Adams County Bank | 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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