| Metric | Bank of Belleville | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +4.9% | +7.0 pts |
| Deposit growth (YoY) | -1.3% | +4.3% | -5.6 pts |
| Loan growth (YoY) | +6.5% | +5.3% | +1.1 pts |
| ROA | 1.00% | 1.28% | -0.3 pts |
| ROE | 14.0% | 12.4% | +1.6 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $562.9M | $411.4M | $388.0M | $40.4M | $2.8M | 1.00% | 3.18% | 1.40% |
| Q1 2026 | $549.0M | $444.7M | $372.6M | $39.2M | $1.2M | 0.86% | 3.15% | 1.21% |
| Q4 2025 | $547.5M | $441.7M | $372.5M | $38.2M | $3.4M | 0.67% | 2.99% | 1.14% |
| Q3 2025 | $533.8M | $439.7M | $373.1M | $35.1M | $2.2M | 0.59% | 2.91% | 1.09% |
| Q2 2025 | $503.0M | $416.7M | $364.4M | $32.4M | $1.2M | 0.49% | 2.83% | 1.16% |
| Q1 2025 | $475.0M | $407.3M | $347.6M | $32.3M | $749K | 0.63% | 2.89% | 0.01% |
| Q4 2024 | $480.0M | $404.5M | $353.2M | $31.9M | $2.5M | 0.53% | 2.56% | 0.00% |
| Q3 2024 | $485.8M | $397.3M | $348.0M | $32.2M | $1.4M | 0.41% | 2.50% | 0.00% |
Loan mix (Q2 2026): real estate $312.4M · commercial $77.5M · consumer $1.8M · securities $108.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Belleville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.28% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 12.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 61.2% | 55th |
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 Belleville | 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 Belleville | 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 Belleville | 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 Belleville | 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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