| Metric | Central Bank and Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | +4.3% | +4.0% | +0.3 pts |
| Loan growth (YoY) | +3.3% | +5.6% | -2.3 pts |
| ROA | 2.19% | 1.24% | +1.0 pts |
| ROE | 26.1% | 11.9% | +14.2 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $202.5M | $182.3M | $111.0M | $17.2M | $2.2M | 2.19% | 4.55% | 0.00% |
| Q1 2026 | $207.0M | $189.4M | $110.3M | $17.4M | $1.0M | 2.03% | 4.40% | 0.10% |
| Q4 2025 | $202.1M | $183.5M | $108.6M | $16.9M | $3.3M | 1.65% | 4.24% | 0.10% |
| Q3 2025 | $192.8M | $172.9M | $106.5M | $16.6M | $2.7M | 1.79% | 4.16% | 0.12% |
| Q2 2025 | $198.0M | $174.8M | $107.4M | $16.5M | $1.8M | 1.81% | 4.12% | 0.12% |
| Q1 2025 | $204.0M | $187.3M | $106.0M | $16.5M | $879K | 1.71% | 3.98% | 0.11% |
| Q4 2024 | $207.8M | $189.8M | $109.8M | $17.7M | $4.1M | 2.00% | 3.63% | 0.11% |
| Q3 2024 | $199.7M | $183.4M | $112.6M | $16.1M | $1.9M | 1.27% | 3.57% | 0.11% |
Loan mix (Q2 2026): real estate $103.9M · commercial $5.9M · consumer $1.1M · securities $82.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Central Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.19% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 26.1% | 11.9% | 97th | |
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 | 52.6% | 62.9% | 21th |
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 | Central 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 | Central 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 | Central 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 | Central Bank and Trust | 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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