| Metric | Bank of Jamestown | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +4.4% | -2.3 pts |
| Deposit growth (YoY) | +0.8% | +4.0% | -3.2 pts |
| Loan growth (YoY) | -1.7% | +5.6% | -7.3 pts |
| ROA | 1.24% | 1.24% | +0.0 pts |
| ROE | 9.7% | 11.9% | -2.2 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $263.8M | $192.2M | $155.5M | $33.1M | $1.6M | 1.24% | 3.59% | 0.02% |
| Q1 2026 | $262.8M | $192.5M | $155.1M | $34.5M | $798K | 1.21% | 3.52% | 0.03% |
| Q4 2025 | $266.2M | $192.3M | $159.5M | $34.5M | $3.5M | 1.35% | 3.59% | 0.03% |
| Q3 2025 | $267.2M | $191.2M | $160.4M | $33.3M | $2.5M | 1.29% | 3.52% | 0.03% |
| Q2 2025 | $258.5M | $190.7M | $158.2M | $32.3M | $1.6M | 1.24% | 3.43% | 0.01% |
| Q1 2025 | $257.6M | $185.2M | $151.2M | $31.3M | $726K | 1.14% | 3.27% | 0.04% |
| Q4 2024 | $251.5M | $184.5M | $150.1M | $30.8M | $2.7M | 1.09% | 3.28% | 0.01% |
| Q3 2024 | $248.4M | $179.6M | $150.5M | $30.4M | $2.0M | 1.10% | 3.25% | 0.36% |
Loan mix (Q2 2026): real estate $145.3M · commercial $7.0M · consumer $2.8M · securities $80.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Jamestown | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 62.9% | 27th |
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 Jamestown | 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 Jamestown | 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 Jamestown | 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 Jamestown | 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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