| Metric | Belt Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +3.0% | +7.6 pts |
| Deposit growth (YoY) | +11.5% | +2.5% | +9.0 pts |
| Loan growth (YoY) | +4.1% | +2.6% | +1.5 pts |
| ROA | 2.01% | 0.99% | +1.0 pts |
| ROE | 13.7% | 8.1% | +5.6 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.9M | $74.0M | $73.0M | $13.3M | $899K | 2.01% | 5.35% | 3.17% |
| Q1 2026 | $90.2M | $75.2M | $68.5M | $12.8M | $409K | 1.83% | 5.04% | 3.48% |
| Q4 2025 | $88.6M | $73.4M | $71.0M | $13.2M | $1.4M | 1.66% | 5.50% | 1.08% |
| Q3 2025 | $82.9M | $67.9M | $73.9M | $13.0M | $1.3M | 2.04% | 5.51% | 1.33% |
| Q2 2025 | $81.3M | $66.3M | $70.1M | $12.6M | $844K | 2.05% | 5.39% | 0.24% |
| Q1 2025 | $81.3M | $66.7M | $67.3M | $12.1M | $430K | 2.07% | 5.14% | 0.21% |
| Q4 2024 | $84.7M | $70.3M | $68.8M | $12.3M | $1.4M | 1.64% | 5.08% | 0.53% |
| Q3 2024 | $87.1M | $67.1M | $71.1M | $12.1M | $1.1M | 1.81% | 5.03% | 0.52% |
Loan mix (Q2 2026): real estate $57.5M · commercial $2.9M · consumer $2.1M · securities $3.2M
| Ratio | Belt Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 0.99% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 8.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.4% | 70.8% | 8th |
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 | Belt Valley 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 | Belt Valley 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 | Belt Valley 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 | Belt Valley 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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