| Metric | Bank of Dickson | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | +0.7% | +5.6% | -4.9 pts |
| ROA | 0.79% | 1.24% | -0.4 pts |
| ROE | 8.0% | 11.9% | -3.9 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $291.0M | $261.3M | $170.9M | $28.4M | $1.1M | 0.79% | 3.43% | 0.00% |
| Q1 2026 | $284.7M | $255.1M | $170.7M | $28.2M | $561K | 0.80% | 3.45% | 0.05% |
| Q4 2025 | $278.4M | $249.1M | $172.3M | $28.0M | $1.8M | 0.62% | 3.16% | 0.57% |
| Q3 2025 | $288.4M | $259.6M | $171.7M | $27.5M | $1.2M | 0.57% | 3.10% | 0.62% |
| Q2 2025 | $281.5M | $254.7M | $169.7M | $25.5M | $817K | 0.58% | 3.11% | 0.63% |
| Q1 2025 | $284.1M | $257.5M | $169.4M | $25.4M | $323K | 0.46% | 2.94% | 0.75% |
| Q4 2024 | $276.3M | $247.6M | $170.2M | $24.4M | $1.4M | 0.51% | 2.88% | 0.77% |
| Q3 2024 | $282.5M | $255.4M | $169.3M | $25.9M | $982K | 0.46% | 2.81% | 0.78% |
Loan mix (Q2 2026): real estate $152.5M · commercial $8.8M · consumer $4.3M · securities $90.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Dickson | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 62.9% | 72th |
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 Dickson | 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 Dickson | 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 Dickson | 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 Dickson | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.