| Metric | Bank of Deerfield | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.5% | +4.4% | +8.1 pts |
| Deposit growth (YoY) | +13.6% | +4.0% | +9.7 pts |
| Loan growth (YoY) | +10.7% | +5.6% | +5.2 pts |
| ROA | 1.55% | 1.24% | +0.3 pts |
| ROE | 15.1% | 11.9% | +3.2 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $268.3M | $230.5M | $231.0M | $27.9M | $2.0M | 1.55% | 4.09% | 0.11% |
| Q1 2026 | $261.5M | $223.7M | $232.3M | $27.2M | $1.1M | 1.64% | 4.06% | 0.11% |
| Q4 2025 | $261.2M | $223.8M | $231.0M | $26.5M | $4.0M | 1.65% | 4.19% | 0.11% |
| Q3 2025 | $253.7M | $215.5M | $224.7M | $25.9M | $3.0M | 1.68% | 4.15% | 0.10% |
| Q2 2025 | $238.5M | $202.8M | $208.6M | $25.1M | $2.0M | 1.68% | 4.21% | 0.12% |
| Q1 2025 | $234.1M | $198.8M | $205.5M | $24.2M | $911K | 1.56% | 3.91% | 0.26% |
| Q4 2024 | $233.2M | $198.1M | $204.6M | $23.6M | $3.6M | 1.59% | 3.82% | 0.39% |
| Q3 2024 | $229.8M | $194.2M | $208.6M | $24.1M | $2.5M | 1.48% | 3.77% | 0.41% |
Loan mix (Q2 2026): real estate $208.5M · commercial $17.3M · consumer $1.4M · securities $12.5M
| Ratio | Bank of Deerfield | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 62.9% | 45th |
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 Deerfield | 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 Deerfield | 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 Deerfield | 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 Deerfield | 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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