| Metric | Bank of Maysville | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +4.4% | -6.4 pts |
| Deposit growth (YoY) | -3.1% | +4.0% | -7.0 pts |
| Loan growth (YoY) | -1.2% | +5.6% | -6.7 pts |
| ROA | 1.45% | 1.24% | +0.2 pts |
| ROE | 8.4% | 11.9% | -3.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $164.0M | $133.7M | $86.3M | $28.6M | $1.2M | 1.45% | 3.85% | 0.06% |
| Q1 2026 | $163.9M | $134.5M | $87.7M | $28.1M | $555K | 1.37% | 3.76% | 0.09% |
| Q4 2025 | $160.2M | $129.5M | $88.3M | $27.8M | $2.0M | 1.25% | 3.60% | 0.09% |
| Q3 2025 | $162.2M | $133.3M | $87.4M | $27.4M | $1.5M | 1.21% | 3.52% | 0.04% |
| Q2 2025 | $167.4M | $138.0M | $87.3M | $26.2M | $952K | 1.17% | 3.43% | 0.04% |
| Q1 2025 | $166.2M | $134.8M | $83.3M | $25.4M | $437K | 1.08% | 3.36% | 0.00% |
| Q4 2024 | $156.3M | $126.8M | $83.5M | $24.5M | $1.6M | 1.04% | 3.16% | 0.00% |
| Q3 2024 | $155.9M | $128.1M | $80.5M | $25.0M | $1.1M | 0.97% | 3.09% | 0.00% |
Loan mix (Q2 2026): real estate $82.5M · commercial $637K · consumer $1.1M · securities $60.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Maysville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 62.9% | 30th |
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 Maysville | 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 Maysville | 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 Maysville | 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 Maysville | 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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