| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.4% | -4.7 pts |
| Deposit growth (YoY) | -1.2% | +4.0% | -5.2 pts |
| Loan growth (YoY) | +2.9% | +5.6% | -2.7 pts |
| ROA | 1.31% | 1.24% | +0.1 pts |
| ROE | 9.8% | 11.9% | -2.0 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $225.5M | $185.6M | $114.7M | $30.1M | $1.5M | 1.31% | 3.46% | 0.17% |
| Q1 2026 | $222.2M | $182.8M | $115.3M | $29.6M | $625K | 1.13% | 3.30% | 0.32% |
| Q4 2025 | $220.6M | $180.7M | $116.4M | $29.3M | $2.3M | 1.05% | 2.97% | 0.17% |
| Q3 2025 | $225.6M | $185.2M | $114.0M | $29.9M | $1.7M | 1.02% | 2.85% | 0.17% |
| Q2 2025 | $226.2M | $187.9M | $111.4M | $27.9M | $1.1M | 0.96% | 2.75% | 0.35% |
| Q1 2025 | $225.3M | $189.6M | $109.9M | $27.3M | $497K | 0.89% | 2.73% | 0.32% |
| Q4 2024 | $223.2M | $188.3M | $112.2M | $26.0M | $1.6M | 0.71% | 2.46% | 0.28% |
| Q3 2024 | $230.4M | $193.1M | $106.7M | $27.4M | $1.2M | 0.70% | 2.39% | 0.47% |
Loan mix (Q2 2026): real estate $90.2M · commercial $19.3M · consumer $808K · securities $87.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Blue Grass Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.4% | 62.9% | 10th |
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 | Blue Grass Savings 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 | Blue Grass Savings 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 | Blue Grass Savings 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 | Blue Grass Savings 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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