| Metric | Bank of Calhoun County | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.0% | +1.0 pts |
| Deposit growth (YoY) | +4.1% | +2.5% | +1.6 pts |
| Loan growth (YoY) | +11.2% | +2.6% | +8.6 pts |
| ROA | 1.07% | 0.99% | +0.1 pts |
| ROE | 11.3% | 8.1% | +3.2 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $99.5M | $89.7M | $52.4M | $9.3M | $525K | 1.07% | 3.46% | 0.12% |
| Q1 2026 | $97.0M | $87.3M | $51.6M | $9.3M | $229K | 0.95% | 3.38% | 0.01% |
| Q4 2025 | $96.8M | $87.1M | $51.5M | $9.2M | $956K | 0.99% | 3.34% | 0.01% |
| Q3 2025 | $97.8M | $88.2M | $47.9M | $9.1M | $705K | 0.97% | 3.23% | 0.01% |
| Q2 2025 | $95.7M | $86.2M | $47.1M | $8.9M | $492K | 1.02% | 3.24% | 0.01% |
| Q1 2025 | $97.3M | $88.1M | $46.9M | $8.7M | $213K | 0.88% | 3.09% | 0.01% |
| Q4 2024 | $95.7M | $86.7M | $47.7M | $8.5M | $947K | 0.98% | 3.20% | 0.00% |
| Q3 2024 | $97.2M | $88.2M | $46.3M | $8.5M | $704K | 0.97% | 3.11% | 0.00% |
Loan mix (Q2 2026): real estate $47.1M · commercial $1.9M · consumer $2.6M · securities $15.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Calhoun County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.99% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 8.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 70.8% | 29th |
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 Calhoun County | 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 Calhoun County | 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 Calhoun County | 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 Calhoun County | 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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