| Metric | Bank of New Madrid | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.4% | -5.9 pts |
| Deposit growth (YoY) | -4.1% | +4.0% | -8.1 pts |
| Loan growth (YoY) | +6.8% | +5.6% | +1.2 pts |
| ROA | 1.91% | 1.24% | +0.7 pts |
| ROE | 13.8% | 11.9% | +1.9 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $116.6M | $98.9M | $65.6M | $16.4M | $1.1M | 1.91% | 4.22% | 0.02% |
| Q1 2026 | $123.2M | $106.5M | $59.9M | $16.5M | $564K | 1.87% | 4.12% | 0.06% |
| Q4 2025 | $118.5M | $101.7M | $63.1M | $16.5M | $2.1M | 1.76% | 4.06% | 0.07% |
| Q3 2025 | $117.8M | $95.6M | $65.0M | $15.8M | $1.6M | 1.78% | 4.03% | 0.15% |
| Q2 2025 | $118.5M | $103.1M | $61.4M | $15.0M | $1.1M | 1.81% | 3.99% | 0.12% |
| Q1 2025 | $126.5M | $111.0M | $59.9M | $15.0M | $522K | 1.69% | 3.88% | 0.16% |
| Q4 2024 | $120.9M | $105.8M | $62.2M | $14.6M | $1.8M | 1.54% | 3.77% | 0.22% |
| Q3 2024 | $114.4M | $99.2M | $60.6M | $14.8M | $1.4M | 1.55% | 3.78% | 0.07% |
Loan mix (Q2 2026): real estate $53.8M · commercial $4.1M · consumer $2.9M · securities $43.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of New Madrid | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 62.9% | 35th |
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 New Madrid | 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 New Madrid | 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 New Madrid | 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 New Madrid | 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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