| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.5 pts |
| Deposit growth (YoY) | -2.4% | +4.0% | -6.3 pts |
| Loan growth (YoY) | +4.3% | +5.6% | -1.3 pts |
| ROA | 1.61% | 1.24% | +0.4 pts |
| ROE | 17.9% | 11.9% | +6.0 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $283.4M | $242.7M | $202.7M | $26.2M | $2.3M | 1.61% | 3.72% | 1.20% |
| Q1 2026 | $289.2M | $251.1M | $201.1M | $25.5M | $1.0M | 1.43% | 3.66% | 0.50% |
| Q4 2025 | $282.6M | $242.3M | $199.0M | $25.4M | $4.4M | 1.56% | 3.70% | 0.36% |
| Q3 2025 | $285.2M | $248.8M | $196.2M | $25.1M | $3.5M | 1.62% | 3.66% | 0.56% |
| Q2 2025 | $283.8M | $248.6M | $194.3M | $24.0M | $2.3M | 1.65% | 3.63% | 0.60% |
| Q1 2025 | $285.0M | $247.5M | $194.0M | $22.5M | $1.0M | 1.48% | 3.53% | 1.03% |
| Q4 2024 | $280.0M | $244.0M | $194.6M | $20.9M | $3.7M | 1.34% | 3.56% | 1.11% |
| Q3 2024 | $284.3M | $242.4M | $193.7M | $22.7M | $2.8M | 1.33% | 3.55% | 0.59% |
Loan mix (Q2 2026): real estate $194.6M · commercial $3.7M · consumer $5.9M · securities $64.2M
| Ratio | Bank of Edmonson County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 62.9% | 30th |
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 Edmonson 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 Edmonson 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 Edmonson 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 Edmonson 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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