| Metric | Bank of Dixon County | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.4% | +6.0 pts |
| Deposit growth (YoY) | +10.2% | +4.0% | +6.3 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.0 pts |
| ROA | 1.64% | 1.24% | +0.4 pts |
| ROE | 12.4% | 11.9% | +0.5 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $141.7M | $121.6M | $94.6M | $18.8M | $1.1M | 1.64% | 4.10% | 1.37% |
| Q1 2026 | $139.5M | $119.8M | $88.8M | $18.3M | $465K | 1.37% | 3.95% | 1.27% |
| Q4 2025 | $132.8M | $113.6M | $89.2M | $17.8M | $2.1M | 1.61% | 4.09% | 1.32% |
| Q3 2025 | $129.3M | $110.4M | $88.7M | $17.6M | $1.6M | 1.63% | 4.07% | 1.41% |
| Q2 2025 | $128.4M | $110.3M | $88.8M | $16.8M | $1.0M | 1.55% | 4.03% | 1.73% |
| Q1 2025 | $127.8M | $110.0M | $85.4M | $16.3M | $516K | 1.59% | 3.95% | 1.74% |
| Q4 2024 | $131.3M | $114.3M | $86.8M | $15.7M | $2.2M | 1.72% | 4.03% | 1.70% |
| Q3 2024 | $127.5M | $110.7M | $88.9M | $15.5M | $1.5M | 1.59% | 3.97% | 2.46% |
Loan mix (Q2 2026): real estate $45.2M · commercial $12.4M · consumer $6.9M · securities $21.6M
| Ratio | Bank of Dixon County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.0% | 62.9% | 16th |
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 Dixon County | 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 Dixon County | 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 Dixon County | 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 Dixon County | 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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