| Metric | Cattle Bank and Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | -0.4% | +4.0% | -4.4 pts |
| Loan growth (YoY) | +2.9% | +5.6% | -2.6 pts |
| ROA | 2.14% | 1.24% | +0.9 pts |
| ROE | 18.6% | 11.9% | +6.7 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $421.9M | $347.2M | $317.9M | $49.8M | $4.5M | 2.14% | 3.91% | 0.06% |
| Q1 2026 | $416.3M | $358.0M | $308.4M | $48.1M | $2.2M | 2.08% | 3.86% | 0.06% |
| Q4 2025 | $425.7M | $344.2M | $320.9M | $47.8M | $6.8M | 1.65% | 3.64% | 0.25% |
| Q3 2025 | $423.1M | $348.9M | $319.2M | $46.5M | $5.3M | 1.71% | 3.57% | 0.36% |
| Q2 2025 | $412.4M | $348.6M | $308.9M | $43.5M | $3.3M | 1.62% | 3.49% | 0.22% |
| Q1 2025 | $403.7M | $339.9M | $298.8M | $42.7M | $1.6M | 1.54% | 3.42% | 0.39% |
| Q4 2024 | $404.6M | $326.0M | $299.2M | $41.2M | $5.4M | 1.38% | 3.26% | 0.26% |
| Q3 2024 | $398.6M | $323.1M | $289.5M | $43.2M | $4.3M | 1.47% | 3.24% | 0.10% |
Loan mix (Q2 2026): real estate $271.0M · commercial $18.7M · consumer $1.7M · securities $80.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cattle Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.2% | 62.9% | 13th |
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 | Cattle Bank and Trust | 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 | Cattle Bank and Trust | 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 | Cattle Bank and Trust | 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 | Cattle Bank and Trust | 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.