No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $101.8M | $85.2M | $78.6M | $7.7M | $703K | 1.38% | 4.11% | 0.22% |
| Q1 2026 | $100.7M | $85.4M | $77.4M | $7.6M | $333K | 1.31% | 4.10% | 0.23% |
| Q4 2025 | $103.2M | $88.4M | $75.7M | $7.3M | $1.3M | 1.32% | 4.00% | 0.25% |
| Q3 2025 | $101.0M | $85.5M | $75.0M | $7.9M | $938K | 1.25% | 3.97% | 0.33% |
| Q2 2025 | $100.2M | $83.2M | $75.4M | $7.0M | $587K | 1.17% | 3.90% | 0.33% |
| Q1 2025 | $97.8M | $82.2M | $72.4M | $7.0M | $232K | 0.93% | 3.79% | 0.26% |
| Q4 2024 | $101.9M | $86.6M | $74.4M | $6.5M | $867K | 0.87% | 3.44% | 0.01% |
| Q3 2024 | $99.2M | $80.4M | $75.2M | $7.4M | $622K | 0.83% | 3.34% | 0.00% |
Loan mix (Q2 2026): real estate $66.0M · commercial $4.4M · consumer $3.8M · securities $16.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Black River Country Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 65.0% |
| 62.9% |
| — |
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 | Black River Country 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 | Black River Country 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 | Black River Country 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 | Black River Country Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.