| Metric | Bank of Zachary | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +1.1% | +4.0% | -2.8 pts |
| Loan growth (YoY) | +15.6% | +5.6% | +10.0 pts |
| ROA | 0.98% | 1.24% | -0.3 pts |
| ROE | 10.5% | 11.9% | -1.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $416.0M | $359.7M | $305.2M | $39.4M | $2.0M | 0.98% | 4.39% | 0.05% |
| Q1 2026 | $422.2M | $372.0M | $306.6M | $38.6M | $1.0M | 0.97% | 4.33% | 0.16% |
| Q4 2025 | $411.2M | $357.8M | $286.9M | $39.1M | $3.6M | 0.88% | 4.05% | 0.21% |
| Q3 2025 | $417.2M | $361.9M | $279.4M | $38.1M | $2.6M | 0.87% | 3.98% | 0.20% |
| Q2 2025 | $398.3M | $355.7M | $264.1M | $35.9M | $1.7M | 0.83% | 3.87% | 0.14% |
| Q1 2025 | $405.4M | $362.6M | $262.0M | $36.0M | $672K | 0.67% | 3.79% | 0.17% |
| Q4 2024 | $394.1M | $358.1M | $254.2M | $34.5M | $2.0M | 0.49% | 3.36% | 0.16% |
| Q3 2024 | $407.0M | $357.6M | $235.9M | $36.9M | $1.2M | 0.38% | 3.20% | 0.16% |
Loan mix (Q2 2026): real estate $282.8M · commercial $11.1M · consumer $4.4M · securities $82.9M
| Ratio | Bank of Zachary | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 11.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 62.9% | 73th |
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 Zachary | 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 Zachary | 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 Zachary | 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 Zachary | 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.