| Metric | Bank of the Lowcountry | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.6% | +4.4% | +12.3 pts |
| Deposit growth (YoY) | +5.6% | +4.0% | +1.7 pts |
| Loan growth (YoY) | +14.0% | +5.6% | +8.4 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 10.4% | 11.9% | -1.4 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $430.2M | $365.0M | $323.3M | $32.7M | $1.6M | 0.75% | 3.96% | 0.12% |
| Q1 2026 | $423.9M | $376.9M | $308.4M | $28.9M | $799K | 0.77% | 3.91% | 0.21% |
| Q4 2025 | $410.8M | $347.5M | $296.8M | $29.7M | $2.7M | 0.71% | 3.86% | 0.21% |
| Q3 2025 | $406.8M | $352.7M | $294.8M | $27.1M | $1.9M | 0.68% | 3.82% | 0.15% |
| Q2 2025 | $368.9M | $345.6M | $283.6M | $19.8M | $1.2M | 0.64% | 3.80% | 0.18% |
| Q1 2025 | $369.8M | $347.1M | $274.2M | $19.4M | $439K | 0.49% | 3.70% | 0.17% |
| Q4 2024 | $348.7M | $324.0M | $268.0M | $20.2M | $1.4M | 0.39% | 3.16% | 0.09% |
| Q3 2024 | $381.4M | $357.2M | $254.3M | $20.3M | $1.0M | 0.37% | 3.15% | 0.16% |
Loan mix (Q2 2026): real estate $274.0M · commercial $39.5M · consumer $10.3M · securities $84.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of the Lowcountry | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 62.9% | 78th |
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 the Lowcountry | 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 the Lowcountry | 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 the Lowcountry | 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 the Lowcountry | 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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