| Metric | Bluff View Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +4.4% | -5.4 pts |
| Deposit growth (YoY) | -6.7% | +4.0% | -10.7 pts |
| Loan growth (YoY) | +7.5% | +5.6% | +1.9 pts |
| ROA | 1.26% | 1.24% | +0.0 pts |
| ROE | 8.8% | 11.9% | -3.1 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $152.8M | $118.4M | $101.2M | $22.3M | $965K | 1.26% | 4.26% | 0.00% |
| Q1 2026 | $153.8M | $120.4M | $99.1M | $21.4M | $83K | 0.22% | 4.15% | 0.01% |
| Q4 2025 | $151.5M | $118.7M | $96.3M | $22.3M | $2.2M | 1.47% | 3.86% | 0.00% |
| Q3 2025 | $160.7M | $131.8M | $96.7M | $21.0M | $1.5M | 1.34% | 3.69% | 0.00% |
| Q2 2025 | $154.4M | $127.0M | $94.2M | $19.7M | $924K | 1.25% | 3.58% | 0.01% |
| Q1 2025 | $143.4M | $122.3M | $88.8M | $19.4M | $394K | 1.09% | 3.58% | 0.03% |
| Q4 2024 | $144.8M | $123.0M | $90.0M | $19.9M | $1.8M | 1.22% | 3.52% | 0.00% |
| Q3 2024 | $151.1M | $120.8M | $89.5M | $20.4M | $1.2M | 1.13% | 3.49% | 0.01% |
Loan mix (Q2 2026): real estate $80.6M · commercial $10.5M · consumer $3.2M · securities $41.5M
| Ratio | Bluff View Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 62.9% | 77th |
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 | Bluff View 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 | Bluff View 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 | Bluff View 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 | Bluff View 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.