No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $251.0M | $230.0M | $123.7M | $19.3M | $818K | 0.65% | 3.44% | 0.17% |
| Q1 2026 | $250.7M | $230.1M | $117.1M | $19.1M | $411K | 0.66% | 3.37% | 0.19% |
| Q4 2025 | $250.1M | $229.6M | $119.4M | $18.9M | $1.8M | 0.73% | 3.46% | 0.18% |
| Q3 2025 | $243.8M | $223.2M | $122.8M | $18.9M | $1.4M | 0.77% | 3.49% | 0.20% |
| Q2 2025 | $237.5M | $218.7M | $119.8M | $17.0M | $868K | 0.73% | 3.45% | 0.21% |
| Q1 2025 | $238.5M | $220.0M | $113.6M | $16.6M | $385K | 0.65% | 3.37% | 0.37% |
| Q4 2024 | $238.0M | $220.7M | $115.7M | $15.3M | $1.2M | 0.51% | 3.19% | 0.09% |
| Q3 2024 | $221.7M | $202.2M | $122.9M | $17.6M | $894K | 0.52% | 3.19% | 0.28% |
Loan mix (Q2 2026): real estate $70.8M · commercial $31.0M · consumer $6.0M · securities $61.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Alapaha | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 62.9% | 80th |
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 | Bank of Alapaha | 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 | Bank of Alapaha | 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 | Bank of Alapaha | 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 | Bank of Alapaha | 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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