| Metric | Clay County State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.1 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.3 pts |
| ROA | 1.50% | 1.24% | +0.3 pts |
| ROE | 13.3% | 11.9% | +1.5 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $104.3M | $91.7M | $46.8M | $12.0M | $791K | 1.50% | 3.52% | 1.77% |
| Q1 2026 | $106.7M | $94.2M | $46.2M | $11.9M | $356K | 1.34% | 3.43% | 1.96% |
| Q4 2025 | $105.7M | $93.3M | $46.5M | $11.7M | $1.4M | 1.30% | 3.35% | 1.93% |
| Q3 2025 | $103.5M | $91.0M | $46.3M | $11.8M | $960K | 1.23% | 3.29% | 1.85% |
| Q2 2025 | $100.6M | $89.2M | $46.2M | $10.8M | $690K | 1.32% | 3.33% | 1.71% |
| Q1 2025 | $105.0M | $94.1M | $45.6M | $10.3M | $323K | 1.21% | 3.22% | 1.43% |
| Q4 2024 | $108.6M | $98.6M | $46.8M | $9.3M | $1.2M | 1.18% | 3.09% | 1.31% |
| Q3 2024 | $102.1M | $90.7M | $45.2M | $10.8M | $894K | 1.15% | 3.00% | 0.79% |
Loan mix (Q2 2026): real estate $30.9M · commercial $4.8M · consumer $5.8M · securities $42.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Clay County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 62.9% | 38th |
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 | Clay County State 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 | Clay County State 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 | Clay County State 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 | Clay County State 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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