| Metric | Bank of Cattaraugus | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.0% | +4.5 pts |
| Deposit growth (YoY) | +7.5% | +2.5% | +5.0 pts |
| Loan growth (YoY) | +7.6% | +2.6% | +5.0 pts |
| ROA | 1.10% | 0.99% | +0.1 pts |
| ROE | 10.0% | 8.1% | +1.9 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.0M | $27.4M | $17.6M | $3.5M | $170K | 1.10% | 6.19% | 0.85% |
| Q1 2026 | $34.9M | $31.4M | $16.8M | $3.4M | $89K | 1.15% | 5.81% | 0.48% |
| Q4 2025 | $27.3M | $23.9M | $16.8M | $3.3M | $242K | 0.82% | 6.22% | 0.71% |
| Q3 2025 | $32.3M | $28.9M | $16.8M | $3.3M | $254K | 1.12% | 6.02% | 0.95% |
| Q2 2025 | $28.8M | $25.5M | $16.3M | $3.3M | $188K | 1.27% | 6.20% | 0.92% |
| Q1 2025 | $33.8M | $30.6M | $16.6M | $3.2M | $74K | 0.99% | 5.78% | 0.74% |
| Q4 2024 | $26.1M | $22.9M | $16.1M | $3.1M | $253K | 0.84% | 5.73% | 0.67% |
| Q3 2024 | $29.9M | $26.7M | $15.0M | $3.1M | $263K | 1.13% | 5.55% | 0.84% |
Loan mix (Q2 2026): real estate $12.2M · commercial $2.7M · consumer $2.9M · securities $6.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Cattaraugus | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.99% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 8.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 70.8% | 65th |
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 Cattaraugus | 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 Cattaraugus | 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 Cattaraugus | 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 Cattaraugus | 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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