| Metric | Bank of Yates City | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +3.0% | -1.8 pts |
| Deposit growth (YoY) | +0.3% | +2.5% | -2.2 pts |
| Loan growth (YoY) | -5.0% | +2.6% | -7.6 pts |
| ROA | 0.82% | 0.99% | -0.2 pts |
| ROE | 9.1% | 8.1% | +1.0 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.1M | $80.4M | $58.3M | $8.1M | $366K | 0.82% | 3.91% | 2.83% |
| Q1 2026 | $88.9M | $80.1M | $58.2M | $8.1M | $244K | 1.10% | 3.84% | 2.95% |
| Q4 2025 | $88.6M | $80.1M | $61.1M | $7.9M | $547K | 0.62% | 3.74% | 2.38% |
| Q3 2025 | $88.9M | $80.4M | $61.7M | $7.7M | $419K | 0.63% | 3.66% | 2.32% |
| Q2 2025 | $88.1M | $80.1M | $61.4M | $7.2M | $365K | 0.82% | 3.57% | 2.63% |
| Q1 2025 | $91.1M | $83.3M | $62.3M | $7.1M | $187K | 0.84% | 3.50% | 2.71% |
| Q4 2024 | $87.5M | $80.1M | $65.7M | $6.8M | $557K | 0.66% | 3.65% | 3.12% |
| Q3 2024 | $84.9M | $77.1M | $67.3M | $7.1M | $480K | 0.77% | 3.65% | 2.43% |
Loan mix (Q2 2026): real estate $41.4M · commercial $6.8M · consumer $4.1M · securities $23.6M
| Ratio | Bank of Yates City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.99% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 8.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 70.8% | 64th |
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 Yates City | 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 Yates City | 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 Yates City | 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 Yates City | 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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