| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.6 pts |
| ROA | 0.74% | 1.24% | -0.5 pts |
| ROE | 8.3% | 11.9% | -3.5 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $419.4M | $357.5M | $341.7M | $37.3M | $1.5M | 0.74% | 3.82% | 0.35% |
| Q1 2026 | $416.4M | $349.6M | $339.2M | $36.9M | $744K | 0.72% | 3.71% | 0.43% |
| Q4 2025 | $408.7M | $341.7M | $331.4M | $36.5M | $2.7M | 0.65% | 3.64% | 0.26% |
| Q3 2025 | $417.2M | $345.2M | $341.4M | $36.0M | $1.9M | 0.61% | 3.58% | 0.41% |
| Q2 2025 | $419.3M | $348.4M | $335.2M | $34.4M | $1.1M | 0.54% | 3.51% | 0.20% |
| Q1 2025 | $422.5M | $351.9M | $333.8M | $33.9M | $451K | 0.43% | 3.40% | 0.24% |
| Q4 2024 | $424.1M | $352.1M | $335.4M | $32.9M | $1.7M | 0.42% | 3.01% | 0.30% |
| Q3 2024 | $424.0M | $351.2M | $343.8M | $33.2M | $1.0M | 0.33% | 2.94% | 0.49% |
Loan mix (Q2 2026): real estate $260.0M · commercial $79.8M · consumer $3.2M · securities $37.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Franklin County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 62.9% | 76th |
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 Franklin 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 Franklin 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 Franklin 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 Franklin 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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