| Metric | Bank of Lake Village | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +3.0% | +4.1 pts |
| Deposit growth (YoY) | +6.4% | +2.5% | +3.9 pts |
| Loan growth (YoY) | +6.0% | +2.6% | +3.4 pts |
| ROA | 1.56% | 0.99% | +0.6 pts |
| ROE | 10.0% | 8.1% | +1.9 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $90.6M | $71.1M | $60.0M | $13.5M | $666K | 1.56% | 5.17% | 0.70% |
| Q1 2026 | $83.4M | $69.9M | $48.1M | $13.2M | $290K | 1.40% | 5.02% | 1.16% |
| Q4 2025 | $81.8M | $68.3M | $42.7M | $13.2M | $1.1M | 1.26% | 5.63% | 1.13% |
| Q3 2025 | $83.9M | $70.1M | $53.6M | $13.4M | $1.2M | 1.91% | 5.59% | 0.70% |
| Q2 2025 | $84.6M | $66.8M | $56.6M | $12.8M | $745K | 1.77% | 5.38% | 0.99% |
| Q1 2025 | $84.5M | $71.7M | $43.9M | $12.6M | $365K | 1.73% | 5.14% | 0.18% |
| Q4 2024 | $84.0M | $72.5M | $42.1M | $11.2M | $1.5M | 1.71% | 5.55% | 0.28% |
| Q3 2024 | $91.7M | $68.9M | $61.2M | $11.5M | $1.3M | 1.93% | 5.36% | 0.67% |
Loan mix (Q2 2026): real estate $35.1M · commercial $2.9M · consumer $1.3M · securities $20.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Lake Village | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.99% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 8.1% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 70.8% | 23rd |
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 Lake Village | 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 Lake Village | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Lake Village | 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 Lake Village | 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 Lake Village | 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.
2 branches in 1 county across 1 state (+0 vs 2025) · $71.1M branch deposits. Biggest market: Chicot, AR, ranked 3rd with 22.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chicot, AR | 2 | $71.1M | 22.23% | 3rd |
Arkansas: 110th with 0.06% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend up 30% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).