| Metric | Bank of Lincoln County | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 1.94% | 1.24% | +0.7 pts |
| ROE | 15.5% | 11.9% | +3.7 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $230.1M | $198.3M | $171.7M | $29.6M | $2.2M | 1.94% | 5.33% | 0.01% |
| Q1 2026 | $232.2M | $201.5M | $174.1M | $28.3M | $1.0M | 1.78% | 5.24% | 0.00% |
| Q4 2025 | $220.4M | $191.0M | $163.0M | $27.4M | $3.9M | 1.79% | 5.05% | 0.00% |
| Q3 2025 | $223.6M | $193.6M | $165.4M | $26.8M | $2.8M | 1.72% | 4.98% | 0.00% |
| Q2 2025 | $221.3M | $193.0M | $170.9M | $25.6M | $1.8M | 1.66% | 4.90% | 0.07% |
| Q1 2025 | $220.1M | $192.5M | $171.8M | $25.1M | $877K | 1.60% | 4.80% | 0.07% |
| Q4 2024 | $217.9M | $190.9M | $168.0M | $24.9M | $3.6M | 1.68% | 4.78% | 0.00% |
| Q3 2024 | $213.0M | $186.7M | $163.6M | $24.8M | $2.5M | 1.59% | 4.74% | 0.03% |
Loan mix (Q2 2026): real estate $146.1M · commercial $13.4M · consumer $3.2M · securities $23.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Lincoln County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.33% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 62.9% | 18th |
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 Lincoln 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 Lincoln 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 Lincoln 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 Lincoln 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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