| Metric | Bank of Hancock County | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.0% | -0.2 pts |
| Deposit growth (YoY) | +0.8% | +2.5% | -1.7 pts |
| Loan growth (YoY) | -8.9% | +2.6% | -11.5 pts |
| ROA | 0.46% | 0.99% | -0.5 pts |
| ROE | 2.9% | 8.1% | -5.2 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 | $85.2M | $71.4M | $16.8M | $13.7M | $196K | 0.46% | 3.42% | 0.17% |
| Q1 2026 | $84.6M | $71.0M | $16.7M | $13.4M | $77K | 0.36% | 3.32% | 0.22% |
| Q4 2025 | $86.1M | $72.3M | $18.8M | $13.6M | $484K | 0.58% | 3.48% | 0.22% |
| Q3 2025 | $80.5M | $67.1M | $19.3M | $13.1M | $229K | 0.37% | 3.48% | 0.16% |
| Q2 2025 | $82.9M | $70.8M | $18.4M | $11.9M | $182K | 0.43% | 3.48% | 0.13% |
| Q1 2025 | $85.6M | $72.6M | $19.5M | $12.7M | $87K | 0.41% | 3.39% | 0.11% |
| Q4 2024 | $83.4M | $71.1M | $17.7M | $12.2M | $460K | 0.58% | 3.49% | 0.14% |
| Q3 2024 | $79.4M | $65.8M | $22.1M | $13.3M | $243K | 0.41% | 3.53% | 0.10% |
Loan mix (Q2 2026): real estate $7.8M · commercial $3.1M · consumer $5.5M · securities $50.5M
| Ratio | Bank of Hancock County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.99% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 8.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 70.8% | 79th |
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 Hancock 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 Hancock 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 Hancock 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 Hancock 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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