| Metric | Bank of Perry County | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +6.6% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.7 pts |
| ROA | 1.71% | 1.24% | +0.5 pts |
| ROE | 18.5% | 11.9% | +6.6 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $253.1M | $224.3M | $205.3M | $23.0M | $2.1M | 1.71% | 4.19% | 0.74% |
| Q1 2026 | $249.8M | $221.0M | $198.3M | $23.0M | $1.0M | 1.67% | 4.15% | 0.73% |
| Q4 2025 | $243.2M | $214.5M | $196.2M | $22.8M | $4.0M | 1.67% | 4.23% | 0.64% |
| Q3 2025 | $243.1M | $214.8M | $194.8M | $22.0M | $3.2M | 1.80% | 4.21% | 0.52% |
| Q2 2025 | $238.3M | $210.4M | $191.4M | $21.6M | $2.1M | 1.80% | 4.19% | 0.42% |
| Q1 2025 | $235.6M | $207.5M | $190.7M | $21.6M | $1.1M | 1.82% | 4.26% | 0.47% |
| Q4 2024 | $232.3M | $204.4M | $188.4M | $21.4M | $3.2M | 1.42% | 4.05% | 0.41% |
| Q3 2024 | $230.7M | $202.9M | $186.8M | $20.8M | $2.6M | 1.54% | 4.03% | 0.40% |
Loan mix (Q2 2026): real estate $161.4M · commercial $9.9M · consumer $35.3M · securities $11.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Perry County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 18.5% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 62.9% | 31st |
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 Perry 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 Perry County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Perry 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 Perry 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 Perry County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2025) · $224.3M branch deposits. Biggest market: Perry, TN, ranked 1st with 61.9% of deposits.
Tennessee: 133rd with 0.08% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Spends 1.5× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).