| Metric | Bank of Crockett | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.4% | +1.3 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.1 pts |
| Loan growth (YoY) | +12.7% | +5.6% | +7.1 pts |
| ROA | 1.49% | 1.24% | +0.3 pts |
| ROE | 15.4% | 11.9% | +3.5 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $299.1M | $266.3M | $202.9M | $29.9M | $2.2M | 1.49% | 4.12% | 0.20% |
| Q1 2026 | $301.1M | $269.4M | $191.7M | $28.6M | $1.0M | 1.41% | 3.99% | 0.02% |
| Q4 2025 | $288.4M | $257.8M | $182.8M | $27.6M | $3.6M | 1.26% | 3.79% | 0.15% |
| Q3 2025 | $291.9M | $259.9M | $186.4M | $28.7M | $2.7M | 1.26% | 3.74% | 0.04% |
| Q2 2025 | $282.9M | $253.5M | $180.0M | $27.2M | $1.7M | 1.23% | 3.69% | 0.03% |
| Q1 2025 | $284.5M | $256.2M | $170.0M | $26.3M | $715K | 1.02% | 3.56% | 0.01% |
| Q4 2024 | $275.2M | $248.1M | $161.4M | $25.0M | $3.5M | 1.25% | 3.48% | 0.01% |
| Q3 2024 | $277.1M | $248.4M | $165.4M | $26.5M | $2.6M | 1.25% | 3.45% | 0.04% |
Loan mix (Q2 2026): real estate $123.6M · commercial $37.3M · consumer $12.3M · securities $73.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Crockett | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.0% | 62.9% | 7th |
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 Crockett | 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 Crockett | 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 Crockett | 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 Crockett | 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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