| Metric | County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.4% | +3.6 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +24.9% | +5.6% | +19.3 pts |
| ROA | 2.06% | 1.24% | +0.8 pts |
| ROE | 25.1% | 11.9% | +13.3 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $133.7M | $120.6M | $104.6M | $11.3M | $1.4M | 2.06% | 4.74% | 0.00% |
| Q1 2026 | $134.7M | $123.7M | $98.7M | $10.8M | $669K | 2.00% | 4.64% | 0.00% |
| Q4 2025 | $133.6M | $115.2M | $96.8M | $10.9M | $2.4M | 1.89% | 4.61% | 0.00% |
| Q3 2025 | $127.6M | $116.8M | $87.7M | $10.7M | $1.7M | 1.83% | 4.59% | 0.00% |
| Q2 2025 | $123.8M | $113.8M | $83.8M | $9.8M | $1.0M | 1.63% | 4.58% | 0.00% |
| Q1 2025 | $125.3M | $115.5M | $84.0M | $9.6M | $504K | 1.62% | 4.45% | 0.00% |
| Q4 2024 | $123.3M | $108.2M | $84.3M | $9.5M | $1.9M | 1.53% | 4.44% | 0.00% |
| Q3 2024 | $123.8M | $113.8M | $81.2M | $9.7M | $1.3M | 1.46% | 4.36% | 0.00% |
Loan mix (Q2 2026): real estate $83.7M · commercial $11.2M · consumer $4.9M · securities $21.0M
| Ratio | County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 25.1% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 62.9% | 37th |
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 | County 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 | County 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 | County 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 | County 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 | County 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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $113.8M branch deposits. Biggest market: Chariton, MO, ranked 3rd with 20.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chariton, MO | 1 | $60.3M | 20.13% | 3rd |
| Randolph, MO | 1 | $53.5M | 10.03% | 4th |
Missouri: 206th with 0.04% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2