| Metric | Bank of Eufaula | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.0% | +3.0% | -12.0 pts |
| Deposit growth (YoY) | -11.3% | +2.5% | -13.8 pts |
| Loan growth (YoY) | -2.4% | +2.6% | -5.0 pts |
| ROA | -0.04% | 0.99% | -1.0 pts |
| ROE | -0.3% | 8.1% | -8.4 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.1M | $77.0M | $22.7M | $9.5M | $-16K | -0.04% | 3.53% | 0.48% |
| Q1 2026 | $85.3M | $74.9M | $22.3M | $9.7M | $-14K | -0.06% | 3.47% | 0.55% |
| Q4 2025 | $91.9M | $81.5M | $22.4M | $9.8M | $49K | 0.05% | 3.45% | 0.66% |
| Q3 2025 | $91.8M | $81.4M | $23.1M | $9.7M | $45K | 0.06% | 3.50% | 0.96% |
| Q2 2025 | $95.8M | $86.8M | $23.3M | $8.3M | $45K | 0.09% | 3.51% | 1.18% |
| Q1 2025 | $95.9M | $87.1M | $24.4M | $8.1M | $36K | 0.15% | 3.32% | 2.49% |
| Q4 2024 | $102.4M | $94.3M | $26.2M | $7.4M | $-1.1M | -1.04% | 3.32% | 2.43% |
| Q3 2024 | $97.8M | $89.3M | $27.3M | $8.0M | $-961K | -1.21% | 3.30% | 2.31% |
Loan mix (Q2 2026): real estate $19.8M · commercial $1.4M · consumer $1.7M · securities $48.8M
| Ratio | Bank of Eufaula | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.99% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 8.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.2% | 70.8% | 89th |
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 Eufaula | 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 Eufaula | 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 Eufaula | 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 Eufaula | 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.