| Metric | Bank of Richmondville | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.3 pts |
| Loan growth (YoY) | -2.0% | +5.6% | -7.6 pts |
| ROA | 0.70% | 1.24% | -0.5 pts |
| ROE | 7.1% | 11.9% | -4.8 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.9M | $166.4M | $83.3M | $18.7M | $655K | 0.70% | 3.37% | 0.08% |
| Q1 2026 | $192.9M | $173.9M | $82.9M | $18.3M | $274K | 0.59% | 3.30% | 0.06% |
| Q4 2025 | $180.6M | $161.1M | $83.8M | $18.7M | $1.3M | 0.72% | 3.37% | 0.05% |
| Q3 2025 | $190.9M | $172.0M | $84.3M | $18.1M | $982K | 0.71% | 3.34% | 0.17% |
| Q2 2025 | $181.1M | $163.7M | $85.0M | $16.6M | $630K | 0.69% | 3.36% | 0.17% |
| Q1 2025 | $185.0M | $167.6M | $85.7M | $16.7M | $270K | 0.59% | 3.31% | 0.17% |
| Q4 2024 | $180.6M | $162.2M | $84.8M | $15.8M | $472K | 0.26% | 3.21% | 0.36% |
| Q3 2024 | $187.1M | $169.3M | $85.6M | $17.2M | $980K | 0.72% | 3.14% | 0.11% |
Loan mix (Q2 2026): real estate $74.4M · commercial $3.0M · consumer $7.3M · securities $79.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Richmondville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 62.9% | 82th |
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 Richmondville | 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 Richmondville | 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 Richmondville | 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 Richmondville | 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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