| Metric | Bank of Kampsville | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +6.3% | +4.0% | +2.3 pts |
| Loan growth (YoY) | +0.4% | +5.6% | -5.2 pts |
| ROA | 0.93% | 1.24% | -0.3 pts |
| ROE | 5.4% | 11.9% | -6.5 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $134.1M | $110.7M | $46.9M | $22.9M | $614K | 0.93% | 3.00% | 0.04% |
| Q1 2026 | $133.4M | $110.4M | $46.5M | $22.6M | $238K | 0.72% | 2.94% | 0.04% |
| Q4 2025 | $129.5M | $106.3M | $46.9M | $22.9M | $935K | 0.75% | 2.90% | 0.47% |
| Q3 2025 | $125.0M | $102.3M | $46.9M | $22.4M | $632K | 0.68% | 2.81% | 0.84% |
| Q2 2025 | $126.3M | $104.2M | $46.7M | $21.8M | $422K | 0.68% | 2.78% | 0.84% |
| Q1 2025 | $123.6M | $102.1M | $46.0M | $21.2M | $159K | 0.52% | 2.72% | 0.55% |
| Q4 2024 | $120.6M | $99.4M | $47.0M | $20.9M | $858K | 0.71% | 2.79% | 0.08% |
| Q3 2024 | $119.5M | $98.2M | $46.5M | $21.0M | $635K | 0.70% | 2.79% | 0.03% |
Loan mix (Q2 2026): real estate $30.0M · commercial $6.7M · consumer $9.5M · securities $67.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Kampsville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 62.9% | 53th |
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 Kampsville | 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 Kampsville | 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 Kampsville | 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 Kampsville | 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.