| Metric | Countybank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.9% | -3.7 pts |
| Deposit growth (YoY) | -0.8% | +4.3% | -5.1 pts |
| Loan growth (YoY) | -1.1% | +5.3% | -6.4 pts |
| ROA | 1.45% | 1.28% | +0.2 pts |
| ROE | 23.1% | 12.4% | +10.6 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $733.0M | $623.1M | $407.7M | $45.8M | $5.4M | 1.45% | 3.85% | 0.34% |
| Q1 2026 | $748.4M | $639.3M | $395.0M | $46.2M | $2.8M | 1.50% | 3.79% | 0.23% |
| Q4 2025 | $729.6M | $637.8M | $395.3M | $47.3M | $8.9M | 1.22% | 3.69% | 0.37% |
| Q3 2025 | $736.4M | $638.9M | $399.4M | $43.9M | $6.6M | 1.21% | 3.63% | 0.44% |
| Q2 2025 | $724.1M | $627.9M | $412.1M | $38.0M | $4.1M | 1.14% | 3.59% | 0.46% |
| Q1 2025 | $729.0M | $639.8M | $406.0M | $37.7M | $1.9M | 1.05% | 3.54% | 0.45% |
| Q4 2024 | $712.5M | $615.4M | $406.8M | $34.0M | $6.6M | 0.93% | 3.36% | 0.43% |
| Q3 2024 | $714.9M | $579.1M | $411.0M | $40.4M | $4.0M | 0.76% | 3.28% | 0.17% |
Loan mix (Q2 2026): real estate $374.5M · commercial $25.2M · consumer $11.3M · securities $229.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Countybank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.28% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 23.1% | 12.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 61.2% | 84th |
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 | Countybank | 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 | Countybank | 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 | Countybank | 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 | Countybank | 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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