| Metric | Bank & Trust Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.9% | -0.5 pts |
| Deposit growth (YoY) | +3.8% | +4.3% | -0.6 pts |
| Loan growth (YoY) | +10.4% | +5.3% | +5.1 pts |
| ROA | 1.13% | 1.28% | -0.1 pts |
| ROE | 10.7% | 12.4% | -1.7 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $641.3M | $540.5M | $426.5M | $68.9M | $3.6M | 1.13% | 3.70% | 0.27% |
| Q1 2026 | $644.6M | $547.5M | $416.8M | $67.5M | $1.8M | 1.14% | 3.65% | 0.21% |
| Q4 2025 | $633.2M | $535.1M | $417.0M | $66.6M | $7.0M | 1.14% | 3.53% | 0.22% |
| Q3 2025 | $626.0M | $522.4M | $404.1M | $64.8M | $5.3M | 1.17% | 3.51% | 0.23% |
| Q2 2025 | $614.6M | $520.8M | $386.2M | $61.9M | $3.3M | 1.10% | 3.44% | 0.22% |
| Q1 2025 | $602.3M | $511.4M | $377.5M | $59.4M | $1.4M | 0.96% | 3.34% | 0.25% |
| Q4 2024 | $579.7M | $498.0M | $380.3M | $56.5M | $5.3M | 0.92% | 3.15% | 0.24% |
| Q3 2024 | $575.8M | $493.2M | $371.1M | $57.4M | $3.8M | 0.87% | 3.11% | 0.18% |
Loan mix (Q2 2026): real estate $330.5M · commercial $54.1M · consumer $22.7M · securities $182.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank & Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.28% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 61.2% | 38th |
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 & Trust Company | 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 & Trust Company | 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 & Trust Company | 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 & Trust Company | 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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