| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +4.4% | -9.8 pts |
| Deposit growth (YoY) | -16.5% | +4.0% | -20.4 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.5 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 11.1% | 11.9% | -0.8 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $410.8M | $322.2M | $321.3M | $45.0M | $2.4M | 1.21% | 3.87% | 0.01% |
| Q1 2026 | $399.4M | $341.3M | $313.2M | $44.2M | $1.4M | 1.38% | 4.04% | 0.00% |
| Q4 2025 | $401.1M | $349.7M | $312.0M | $43.1M | $5.9M | 1.42% | 3.98% | 0.00% |
| Q3 2025 | $430.9M | $380.1M | $298.7M | $41.7M | $4.3M | 1.37% | 3.89% | 0.00% |
| Q2 2025 | $434.5M | $385.7M | $294.6M | $40.2M | $2.6M | 1.26% | 3.78% | 0.12% |
| Q1 2025 | $457.0M | $408.5M | $290.8M | $39.0M | $1.2M | 1.20% | 3.76% | 0.02% |
| Q4 2024 | $357.5M | $297.7M | $285.3M | $37.9M | $2.4M | 0.69% | 3.10% | 0.03% |
| Q3 2024 | $353.9M | $290.5M | $272.1M | $37.9M | $1.9M | 0.75% | 3.13% | 0.03% |
Loan mix (Q2 2026): real estate $312.2M · commercial $9.7M · consumer $479K · securities $11.6M
| Ratio | Bank of Lexington, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 62.9% | 37th |
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 Lexington, Inc. | 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 Lexington, Inc. | 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 Lexington, Inc. | 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 Lexington, Inc. | 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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