| Metric | Bank of Camilla | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.1 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.0 pts |
| Loan growth (YoY) | +5.0% | +5.6% | -0.6 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 7.5% | 11.9% | -4.3 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $188.1M | $147.6M | $127.1M | $39.7M | $1.5M | 1.54% | 3.70% | 0.26% |
| Q1 2026 | $195.3M | $154.1M | $119.3M | $39.2M | $827K | 1.69% | 3.51% | 0.23% |
| Q4 2025 | $195.7M | $155.1M | $117.5M | $39.7M | $1.9M | 1.05% | 3.61% | 0.25% |
| Q3 2025 | $180.0M | $138.8M | $119.4M | $39.2M | $1.5M | 1.08% | 3.76% | 0.29% |
| Q2 2025 | $182.2M | $142.0M | $121.1M | $38.3M | $993K | 1.09% | 3.81% | 0.28% |
| Q1 2025 | $172.5M | $132.5M | $110.5M | $38.1M | $501K | 1.10% | 3.84% | 0.29% |
| Q4 2024 | $190.5M | $151.1M | $110.5M | $38.4M | $1.9M | 1.08% | 3.51% | 0.28% |
| Q3 2024 | $172.1M | $132.7M | $111.5M | $38.4M | $1.3M | 0.99% | 3.62% | 0.33% |
Loan mix (Q2 2026): real estate $97.0M · commercial $14.9M · consumer $1.9M · securities $39.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Camilla | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 62.9% | 28th |
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 Camilla | 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 Camilla | 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 Camilla | 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 Camilla | 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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