| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +3.0% | +6.7 pts |
| Deposit growth (YoY) | +11.5% | +2.5% | +9.0 pts |
| Loan growth (YoY) | +5.4% | +2.6% | +2.8 pts |
| ROA | 0.72% | 0.99% | -0.3 pts |
| ROE | 7.7% | 8.1% | -0.4 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $79.5M | $60.8M | $42.2M | $7.3M | $278K | 0.72% | 3.75% | 0.66% |
| Q1 2026 | $78.9M | $59.8M | $41.7M | $7.3M | $150K | 0.79% | 3.75% | 0.78% |
| Q4 2025 | $73.0M | $54.1M | $41.1M | $7.1M | $539K | 0.75% | 3.38% | 0.88% |
| Q3 2025 | $73.1M | $53.4M | $41.0M | $6.9M | $482K | 0.89% | 3.35% | 0.84% |
| Q2 2025 | $72.5M | $54.5M | $40.0M | $6.1M | $387K | 1.08% | 3.29% | 1.07% |
| Q1 2025 | $71.9M | $54.2M | $40.1M | $6.0M | $122K | 0.68% | 3.14% | 1.29% |
| Q4 2024 | $70.9M | $53.4M | $40.8M | $5.8M | $259K | 0.38% | 3.11% | 1.20% |
| Q3 2024 | $69.2M | $50.4M | $39.9M | $6.3M | $190K | 0.38% | 3.11% | 0.60% |
Loan mix (Q2 2026): real estate $36.4M · commercial $1.5M · consumer $4.5M · securities $30.4M
| Ratio | Beardstown Savings s.b. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.99% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 8.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 70.8% | 62th |
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 | Beardstown Savings s.b. | 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 | Beardstown Savings s.b. | 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 | Beardstown Savings s.b. | 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 | Beardstown Savings s.b. | 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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