| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +5.5% | +4.4 pts |
| Deposit growth (YoY) | +8.1% | +5.1% | +3.0 pts |
| Loan growth (YoY) | +15.3% | +5.9% | +9.4 pts |
| ROA | 0.95% | 1.26% | -0.3 pts |
| ROE | 13.4% | 12.2% | +1.3 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.28B | $1.12B | $929.3M | $89.9M | $5.9M | 0.95% | 3.50% | 0.05% |
| Q1 2026 | $1.24B | $1.11B | $896.4M | $87.0M | $2.9M | 0.94% | 3.52% | 0.04% |
| Q4 2025 | $1.21B | $1.09B | $863.9M | $86.3M | $9.8M | 0.84% | 3.43% | 0.08% |
| Q3 2025 | $1.19B | $1.07B | $826.7M | $81.7M | $7.0M | 0.81% | 3.40% | 0.08% |
| Q2 2025 | $1.16B | $1.04B | $805.8M | $75.6M | $4.3M | 0.75% | 3.36% | 0.09% |
| Q1 2025 | $1.13B | $1.03B | $760.0M | $72.8M | $1.9M | 0.68% | 3.27% | 0.08% |
| Q4 2024 | $1.11B | $997.9M | $755.7M | $68.9M | $9.0M | 0.81% | 3.14% | 0.07% |
| Q3 2024 | $1.12B | $999.0M | $760.8M | $72.8M | $6.6M | 0.80% | 3.11% | 0.08% |
Loan mix (Q2 2026): real estate $640.1M · commercial $118.9M · consumer $146.9M · securities $261.9M
| Ratio | Consumers National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.26% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.2% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 59.0% | 74th |
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 | Consumers National 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 | Consumers National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Consumers National 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 | Consumers National 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 | Consumers National 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.
22 branches in 5 counties across 1 state (+1 vs 2024) · $1.04B branch deposits. Biggest market: Stark, OH, ranked 6th with 4.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stark, OH | 9 | $457.5M | 4.15% | 6th |
| Columbiana, OH | 5 | $279.7M | 11.96% | 4th |
| Carroll, OH | 2 | $144.7M | 27.95% | 2nd |
| 2 more counties with Pro → | ||||
Ohio: 43rd with 0.17% · Canton-Massillon metro: 6th, 5.21% · Weirton-Steubenville metro: 10th, 3.84% ·
Branch count: 2022 21 · 2023 21 · 2024 21 · 2025 22