| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +3.0% | -4.8 pts |
| Deposit growth (YoY) | -3.1% | +2.5% | -5.6 pts |
| Loan growth (YoY) | -6.7% | +2.6% | -9.3 pts |
| ROA | 0.99% | 0.99% | -0.0 pts |
| ROE | 6.8% | 8.1% | -1.3 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $50.8M | $38.4M | $31.6M | $7.4M | $254K | 0.99% | 3.69% | 0.00% |
| Q1 2026 | $53.2M | $40.1M | $32.2M | $7.5M | $122K | 0.94% | 3.61% | 0.00% |
| Q4 2025 | $50.5M | $37.8M | $34.2M | $7.5M | $513K | 1.02% | 3.73% | 0.00% |
| Q3 2025 | $50.2M | $37.6M | $32.9M | $7.4M | $387K | 1.02% | 3.73% | 0.00% |
| Q2 2025 | $51.7M | $39.7M | $33.8M | $7.2M | $260K | 1.03% | 3.71% | 0.00% |
| Q1 2025 | $51.4M | $40.0M | $32.6M | $7.1M | $121K | 0.97% | 3.70% | 0.00% |
| Q4 2024 | $48.8M | $35.4M | $33.6M | $6.9M | $450K | 0.91% | 3.59% | 0.00% |
| Q3 2024 | $50.3M | $36.8M | $33.5M | $7.2M | $325K | 0.87% | 3.54% | 0.04% |
Loan mix (Q2 2026): real estate $26.2M · commercial $1.8M · consumer $282K · securities $14.1M
| Ratio | Benton County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.99% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 8.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 70.8% | 36th |
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 | Benton County 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 | Benton County 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 | Benton County 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 | Benton County 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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