| Metric | Countryside Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.3 pts |
| Loan growth (YoY) | +0.7% | +5.6% | -4.9 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 9.0% | 11.9% | -2.8 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $118.5M | $96.7M | $67.2M | $18.0M | $803K | 1.35% | 3.46% | 0.20% |
| Q1 2026 | $120.7M | $99.2M | $65.5M | $17.7M | $433K | 1.46% | 3.41% | 0.24% |
| Q4 2025 | $117.1M | $95.8M | $68.0M | $17.6M | $1.1M | 0.96% | 3.34% | 0.01% |
| Q3 2025 | $115.1M | $93.8M | $69.6M | $17.4M | $986K | 1.13% | 3.30% | 0.01% |
| Q2 2025 | $115.9M | $95.1M | $66.8M | $17.0M | $702K | 1.21% | 3.20% | 0.01% |
| Q1 2025 | $118.4M | $98.2M | $59.9M | $16.4M | $302K | 1.04% | 3.05% | 0.02% |
| Q4 2024 | $114.1M | $94.3M | $62.4M | $16.1M | $764K | 0.69% | 2.70% | 0.02% |
| Q3 2024 | $111.3M | $91.2M | $60.2M | $16.1M | $581K | 0.70% | 2.66% | 0.00% |
Loan mix (Q2 2026): real estate $43.8M · commercial $6.6M · consumer $4.4M · securities $28.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Countryside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 11.9% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 62.9% | 45th |
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 | Countryside 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 | Countryside 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 | Countryside 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 | Countryside 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 | Countryside 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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