| Metric | Bank of Mead | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +3.0% | +4.0 pts |
| Deposit growth (YoY) | +7.2% | +2.5% | +4.7 pts |
| Loan growth (YoY) | -5.4% | +2.6% | -8.0 pts |
| ROA | 0.85% | 0.99% | -0.1 pts |
| ROE | 8.6% | 8.1% | +0.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $39.7M | $35.6M | $16.1M | $3.9M | $166K | 0.85% | 3.02% | 0.00% |
| Q1 2026 | $40.0M | $36.0M | $15.4M | $3.9M | $87K | 0.90% | 2.98% | 0.00% |
| Q4 2025 | $37.5M | $33.6M | $15.6M | $3.8M | $306K | 0.82% | 2.99% | 0.00% |
| Q3 2025 | $37.9M | $33.8M | $17.0M | $3.9M | $241K | 0.86% | 2.98% | 0.00% |
| Q2 2025 | $37.1M | $33.2M | $17.0M | $3.7M | $148K | 0.80% | 2.95% | 0.00% |
| Q1 2025 | $38.5M | $34.7M | $15.6M | $3.6M | $68K | 0.73% | 2.84% | 0.00% |
| Q4 2024 | $35.7M | $32.1M | $15.9M | $3.5M | $254K | 0.71% | 2.80% | 0.00% |
| Q3 2024 | $36.5M | $32.7M | $16.1M | $3.7M | $191K | 0.71% | 2.74% | 0.00% |
Loan mix (Q2 2026): real estate $10.4M · commercial $1.2M · consumer $1.2M · securities $15.9M
| Ratio | Bank of Mead | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.99% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 8.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 70.8% | 36th |
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 Mead | 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 Mead | 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 Mead | 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 Mead | 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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