| Metric | Bank of Clarks | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +3.0% | -2.4 pts |
| Deposit growth (YoY) | -1.2% | +2.5% | -3.7 pts |
| Loan growth (YoY) | -5.8% | +2.6% | -8.4 pts |
| ROA | 0.29% | 0.99% | -0.7 pts |
| ROE | 3.0% | 8.1% | -5.1 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.5M | $49.2M | $43.6M | $5.8M | $87K | 0.29% | 4.31% | 2.43% |
| Q1 2026 | $61.3M | $49.1M | $45.8M | $5.8M | $39K | 0.25% | 4.43% | 1.03% |
| Q4 2025 | $62.3M | $48.2M | $47.5M | $5.7M | $207K | 0.35% | 4.51% | 0.98% |
| Q3 2025 | $61.4M | $47.3M | $48.4M | $5.7M | $198K | 0.45% | 4.56% | 1.18% |
| Q2 2025 | $58.1M | $49.8M | $46.3M | $4.9M | $198K | 0.69% | 4.71% | 1.22% |
| Q1 2025 | $56.4M | $45.7M | $44.2M | $4.9M | $155K | 1.09% | 5.02% | 2.54% |
| Q4 2024 | $57.3M | $51.5M | $43.8M | $4.7M | $168K | 0.33% | 4.07% | 1.13% |
| Q3 2024 | $57.7M | $50.6M | $43.6M | $4.7M | $131K | 0.35% | 4.14% | 1.26% |
Loan mix (Q2 2026): real estate $28.1M · commercial $4.9M · consumer $1.9M · securities $5.8M
| Ratio | Bank of Clarks | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.99% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 8.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 70.8% | 83th |
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 Clarks | 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 Clarks | 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 Clarks | 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 Clarks | 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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