| Metric | Cottonport Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.9% | +0.9 pts |
| Deposit growth (YoY) | +4.6% | +4.3% | +0.3 pts |
| Loan growth (YoY) | +4.3% | +5.3% | -1.0 pts |
| ROA | 1.77% | 1.28% | +0.5 pts |
| ROE | 13.5% | 12.4% | +1.0 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $581.6M | $500.5M | $360.9M | $77.8M | $5.1M | 1.77% | 4.37% | 0.68% |
| Q1 2026 | $581.1M | $503.6M | $362.8M | $75.0M | $2.3M | 1.60% | 4.27% | 0.94% |
| Q4 2025 | $564.3M | $488.6M | $359.5M | $74.3M | $8.6M | 1.55% | 4.33% | 0.55% |
| Q3 2025 | $558.2M | $484.4M | $351.4M | $71.9M | $6.5M | 1.59% | 4.31% | 0.55% |
| Q2 2025 | $549.5M | $478.4M | $346.0M | $68.3M | $4.0M | 1.49% | 4.18% | 0.75% |
| Q1 2025 | $553.6M | $484.8M | $332.4M | $66.4M | $2.0M | 1.46% | 4.11% | 0.64% |
| Q4 2024 | $528.0M | $462.9M | $326.3M | $63.3M | $6.7M | 1.33% | 4.05% | 0.70% |
| Q3 2024 | $512.8M | $447.8M | $325.1M | $63.0M | $5.1M | 1.38% | 4.04% | 0.60% |
Loan mix (Q2 2026): real estate $292.0M · commercial $40.9M · consumer $12.5M · securities $134.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cottonport Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.28% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 12.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 61.2% | 29th |
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 | Cottonport 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 | Cottonport 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 | Cottonport 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 | Cottonport 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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