| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +70.9% | +3.0% | +67.9 pts |
| Deposit growth (YoY) | +66.4% | +2.5% | +63.9 pts |
| Loan growth (YoY) | +105.6% | +2.6% | +103.0 pts |
| ROA | 1.03% | 0.99% | +0.0 pts |
| ROE | 6.7% | 8.1% | -1.3 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $71.0M | $61.0M | $55.4M | $9.8M | $326K | 1.03% | 3.89% | 0.00% |
| Q1 2026 | $64.2M | $54.3M | $46.3M | $9.7M | $164K | 1.11% | 3.83% | 0.00% |
| Q4 2025 | $54.0M | $44.2M | $38.7M | $9.6M | $273K | 0.60% | 3.79% | 0.00% |
| Q3 2025 | $47.5M | $37.8M | $33.2M | $9.6M | $210K | 0.64% | 3.74% | 0.00% |
| Q2 2025 | $41.5M | $36.7M | $26.9M | $4.8M | $117K | 0.55% | 3.64% | 0.00% |
| Q1 2025 | $48.2M | $43.4M | $27.5M | $4.7M | $38K | 0.35% | 3.52% | 0.00% |
| Q4 2024 | $37.6M | $32.5M | $27.8M | $4.7M | $290K | 0.73% | 3.56% | 0.00% |
| Q3 2024 | $40.8M | $35.7M | $28.0M | $4.9M | $222K | 0.74% | 3.47% | 0.00% |
Loan mix (Q2 2026): real estate $4.4M · commercial $42.4M · consumer $285K · securities $8.0M
| Ratio | Battle Creek State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.99% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 8.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 70.8% | 58th |
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 | Battle Creek State Bank | 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 | Battle Creek State Bank | 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 | Battle Creek State Bank | 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 | Battle Creek State Bank | 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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