| Metric | Bodcaw Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | -0.6% | +5.6% | -6.2 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 11.8% | 11.9% | -0.1 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $247.3M | $220.4M | $204.2M | $26.2M | $1.5M | 1.21% | 4.55% | 1.40% |
| Q1 2026 | $251.0M | $224.9M | $212.9M | $25.3M | $763K | 1.23% | 4.50% | 1.15% |
| Q4 2025 | $245.1M | $219.9M | $211.8M | $24.8M | $2.3M | 0.94% | 4.48% | 1.70% |
| Q3 2025 | $246.3M | $218.5M | $211.6M | $23.9M | $1.4M | 0.79% | 4.46% | 1.53% |
| Q2 2025 | $238.9M | $212.0M | $205.5M | $23.5M | $1.4M | 1.18% | 4.42% | 2.08% |
| Q1 2025 | $237.8M | $214.4M | $203.9M | $22.7M | $604K | 1.02% | 4.35% | 1.45% |
| Q4 2024 | $234.7M | $212.4M | $202.5M | $22.0M | $2.5M | 1.03% | 4.08% | 0.63% |
| Q3 2024 | $238.9M | $213.2M | $201.9M | $23.0M | $1.8M | 0.97% | 4.01% | 0.64% |
Loan mix (Q2 2026): real estate $147.8M · commercial $53.1M · consumer $3.9M · securities $16.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bodcaw Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 62.9% | 40th |
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 | Bodcaw 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 | Bodcaw 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 | Bodcaw 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 | Bodcaw 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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