| Metric | Bank of Stronghurst | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +3.0% | -2.4 pts |
| Deposit growth (YoY) | +0.1% | +2.5% | -2.4 pts |
| Loan growth (YoY) | +0.6% | +2.6% | -2.0 pts |
| ROA | 0.45% | 0.99% | -0.5 pts |
| ROE | 4.1% | 8.1% | -4.0 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.6M | $77.8M | $40.6M | $9.6M | $194K | 0.45% | 2.83% | 0.86% |
| Q1 2026 | $86.7M | $76.9M | $39.3M | $9.6M | $95K | 0.44% | 2.82% | 0.58% |
| Q4 2025 | $85.8M | $75.5M | $41.9M | $9.5M | $322K | 0.38% | 2.77% | 0.62% |
| Q3 2025 | $84.2M | $74.4M | $41.7M | $9.2M | $254K | 0.40% | 2.71% | 0.91% |
| Q2 2025 | $87.2M | $77.7M | $40.4M | $8.3M | $150K | 0.35% | 2.56% | 0.34% |
| Q1 2025 | $87.3M | $76.8M | $36.8M | $8.3M | $68K | 0.32% | 2.42% | 0.29% |
| Q4 2024 | $84.3M | $73.5M | $37.9M | $7.9M | $96K | 0.11% | 2.39% | 0.66% |
| Q3 2024 | $83.9M | $72.3M | $37.8M | $8.8M | $21K | 0.03% | 2.37% | 0.30% |
Loan mix (Q2 2026): real estate $27.8M · commercial $3.6M · consumer $1.1M · securities $35.7M
| Ratio | Bank of Stronghurst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.99% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 8.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 70.8% | 76th |
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 Stronghurst | 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 Stronghurst | 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 Stronghurst | 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 Stronghurst | 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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