| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +1.0 pts |
| Deposit growth (YoY) | +5.6% | +4.0% | +1.6 pts |
| Loan growth (YoY) | -4.6% | +5.6% | -10.1 pts |
| ROA | 0.71% | 1.24% | -0.5 pts |
| ROE | 7.0% | 11.9% | -4.9 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $384.7M | $338.2M | $215.2M | $38.8M | $1.3M | 0.71% | 4.21% | 1.39% |
| Q1 2026 | $379.0M | $333.5M | $219.4M | $37.9M | $690K | 0.73% | 4.15% | 0.98% |
| Q4 2025 | $375.2M | $329.0M | $223.7M | $38.1M | $2.7M | 0.73% | 4.26% | 1.28% |
| Q3 2025 | $367.0M | $322.9M | $224.6M | $36.8M | $1.3M | 0.47% | 4.11% | 1.53% |
| Q2 2025 | $365.2M | $320.2M | $225.4M | $35.9M | $1.1M | 0.62% | 4.16% | 1.43% |
| Q1 2025 | $358.3M | $316.9M | $225.3M | $34.9M | $546K | 0.61% | 4.13% | 1.69% |
| Q4 2024 | $355.2M | $311.8M | $227.1M | $33.7M | $2.0M | 0.55% | 3.87% | 1.64% |
| Q3 2024 | $371.1M | $317.5M | $228.4M | $34.5M | $1.8M | 0.66% | 3.84% | 2.02% |
Loan mix (Q2 2026): real estate $181.9M · commercial $30.7M · consumer $2.9M · securities $104.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cattaraugus County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 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 | Cattaraugus County 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 | Cattaraugus County 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 | Cattaraugus County 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 | Cattaraugus County 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.