| Metric | Bank of Lindsay | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.0% | +4.5 pts |
| Deposit growth (YoY) | +10.0% | +2.5% | +7.5 pts |
| Loan growth (YoY) | +7.3% | +2.6% | +4.7 pts |
| ROA | 0.46% | 0.99% | -0.5 pts |
| ROE | 5.0% | 8.1% | -3.1 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97.9M | $71.2M | $78.2M | $9.4M | $232K | 0.46% | 3.10% | 0.00% |
| Q1 2026 | $100.9M | $74.2M | $78.4M | $9.2M | $67K | 0.26% | 3.01% | 0.00% |
| Q4 2025 | $102.3M | $71.3M | $80.1M | $9.4M | $721K | 0.74% | 3.26% | 0.00% |
| Q3 2025 | $96.6M | $64.7M | $84.1M | $9.0M | $431K | 0.60% | 3.27% | 0.00% |
| Q2 2025 | $91.1M | $64.7M | $72.9M | $8.8M | $246K | 0.52% | 3.20% | 0.00% |
| Q1 2025 | $93.0M | $64.6M | $77.8M | $8.7M | $97K | 0.40% | 3.03% | 0.00% |
| Q4 2024 | $102.3M | $66.3M | $86.9M | $9.0M | $619K | 0.65% | 3.32% | 0.00% |
| Q3 2024 | $97.6M | $65.4M | $80.2M | $9.0M | $492K | 0.71% | 3.35% | 0.00% |
Loan mix (Q2 2026): real estate $27.9M · commercial $9.1M · consumer $2.3M · securities $1.9M
| Ratio | Bank of Lindsay | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.99% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 8.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 70.8% | 75th |
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 Lindsay | 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 Lindsay | 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 Lindsay | 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 Lindsay | 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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