| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +5.5% | -1.4 pts |
| Deposit growth (YoY) | +15.5% | +5.1% | +10.5 pts |
| Loan growth (YoY) | +4.6% | +5.9% | -1.3 pts |
| ROA | 0.81% | 1.26% | -0.5 pts |
| ROE | 5.7% | 12.2% | -6.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.24B | $1.73B | $1.74B | $318.2M | $9.0M | 0.81% | 3.39% | 0.90% |
| Q1 2026 | $2.22B | $1.68B | $1.73B | $313.0M | $3.7M | 0.68% | 3.27% | 0.92% |
| Q4 2025 | $2.20B | $1.67B | $1.71B | $310.9M | $12.8M | 0.60% | 3.20% | 0.93% |
| Q3 2025 | $2.19B | $1.63B | $1.70B | $306.4M | $9.0M | 0.57% | 3.15% | 0.92% |
| Q2 2025 | $2.15B | $1.50B | $1.66B | $299.6M | $4.9M | 0.48% | 3.09% | 0.96% |
| Q1 2025 | $2.07B | $1.52B | $1.58B | $295.6M | $2.3M | 0.44% | 3.02% | 1.00% |
| Q4 2024 | $1.98B | $1.45B | $1.50B | $290.0M | $8.8M | 0.46% | 2.89% | 1.03% |
| Q3 2024 | $1.99B | $1.46B | $1.50B | $291.1M | $6.9M | 0.48% | 2.84% | 1.05% |
Loan mix (Q2 2026): real estate $1.72B · commercial $26.9M · consumer $9.1M · securities $337.5M
| Ratio | Country Bank for Savings | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.26% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 12.2% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 59.0% | 79th |
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 | Country Bank for Savings | 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 | Country Bank for Savings | 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 | Country Bank for Savings | 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 | Country Bank for Savings | 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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