| Metric | Bank of Bird-in-Hand | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.7% | +5.5% | +8.2 pts |
| Deposit growth (YoY) | +19.8% | +5.1% | +14.8 pts |
| Loan growth (YoY) | +15.5% | +5.9% | +9.6 pts |
| ROA | 1.17% | 1.26% | -0.1 pts |
| ROE | 12.2% | 12.2% | +0.0 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.91B | $1.68B | $1.73B | $183.6M | $10.8M | 1.17% | 3.28% | 0.17% |
| Q1 2026 | $1.84B | $1.62B | $1.66B | $174.3M | $5.0M | 1.11% | 3.21% | 0.18% |
| Q4 2025 | $1.79B | $1.58B | $1.60B | $172.1M | $13.6M | 0.81% | 2.86% | 0.17% |
| Q3 2025 | $1.72B | $1.50B | $1.54B | $163.8M | $9.4M | 0.76% | 2.79% | 0.18% |
| Q2 2025 | $1.68B | $1.40B | $1.50B | $159.9M | $5.4M | 0.66% | 2.68% | 0.02% |
| Q1 2025 | $1.61B | $1.35B | $1.43B | $149.4M | $2.5M | 0.61% | 2.55% | 0.02% |
| Q4 2024 | $1.59B | $1.33B | $1.38B | $147.0M | $8.1M | 0.55% | 2.49% | 0.01% |
| Q3 2024 | $1.58B | $1.31B | $1.33B | $147.2M | $5.9M | 0.54% | 2.47% | 0.01% |
Loan mix (Q2 2026): real estate $1.61B · commercial $102.3M · consumer $1.1M · securities $0
| Ratio | Bank of Bird-in-Hand | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.26% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 12.2% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
25th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 59.0% | 30th |
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 Bird-in-Hand | 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 Bird-in-Hand | 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 Bird-in-Hand | 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 Bird-in-Hand | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.