| Metric | Bank of Cave City | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +1.7% | +4.0% | -2.2 pts |
| Loan growth (YoY) | +2.3% | +5.6% | -3.3 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 13.0% | 11.9% | +1.1 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $194.4M | $171.9M | $130.9M | $11.5M | $747K | 0.78% | 4.35% | 1.22% |
| Q1 2026 | $189.6M | $167.3M | $124.3M | $11.3M | $359K | 0.76% | 4.32% | 1.33% |
| Q4 2025 | $189.7M | $167.1M | $123.3M | $11.7M | $2.1M | 1.11% | 4.29% | 1.42% |
| Q3 2025 | $192.5M | $169.8M | $127.5M | $11.4M | $1.7M | 1.15% | 4.18% | 1.54% |
| Q2 2025 | $190.9M | $168.9M | $128.0M | $10.6M | $1.1M | 1.13% | 4.14% | 1.22% |
| Q1 2025 | $195.5M | $165.7M | $131.8M | $10.1M | $483K | 1.00% | 3.96% | 0.97% |
| Q4 2024 | $191.1M | $162.1M | $130.9M | $9.2M | $2.4M | 1.30% | 3.80% | 0.92% |
| Q3 2024 | $185.8M | $155.1M | $127.3M | $10.5M | $2.0M | 1.43% | 3.77% | 0.83% |
Loan mix (Q2 2026): real estate $102.5M · commercial $8.0M · consumer $4.3M · securities $40.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Cave City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 62.9% | 87th |
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 Cave City | 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 Cave City | 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 Cave City | 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 Cave City | 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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