| Metric | Copiah Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.5 pts |
| Loan growth (YoY) | +12.8% | +5.6% | +7.2 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 8.0% | 11.9% | -3.8 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $332.2M | $288.9M | $183.7M | $38.5M | $1.5M | 0.92% | 4.06% | 0.10% |
| Q1 2026 | $331.6M | $291.1M | $179.6M | $37.9M | $758K | 0.92% | 4.09% | 0.04% |
| Q4 2025 | $329.5M | $281.5M | $175.3M | $37.6M | $3.0M | 0.93% | 3.97% | 0.04% |
| Q3 2025 | $319.8M | $280.4M | $172.9M | $36.8M | $2.3M | 0.96% | 3.98% | 0.06% |
| Q2 2025 | $317.1M | $279.3M | $162.9M | $35.5M | $1.4M | 0.86% | 3.92% | 0.12% |
| Q1 2025 | $332.2M | $294.9M | $166.5M | $35.1M | $658K | 0.81% | 3.84% | 0.72% |
| Q4 2024 | $318.1M | $281.9M | $165.5M | $33.9M | $3.4M | 1.09% | 3.93% | 0.11% |
| Q3 2024 | $312.0M | $274.9M | $169.6M | $34.4M | $2.2M | 0.95% | 3.96% | 0.12% |
Loan mix (Q2 2026): real estate $168.9M · commercial $9.2M · consumer $6.1M · securities $116.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Copiah Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 62.9% | 76th |
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 | Copiah 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 | Copiah 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 | Copiah 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 | Copiah 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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