| Metric | Decatur County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.4% | +5.9 pts |
| Deposit growth (YoY) | +9.5% | +4.0% | +5.6 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 0.88% | 1.24% | -0.4 pts |
| ROE | 10.5% | 11.9% | -1.3 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $325.6M | $295.3M | $255.6M | $26.9M | $1.4M | 0.88% | 3.95% | 0.94% |
| Q1 2026 | $321.2M | $291.2M | $251.0M | $26.9M | $769K | 0.96% | 3.95% | 0.22% |
| Q4 2025 | $317.2M | $286.2M | $257.8M | $26.7M | $2.4M | 0.79% | 4.07% | 0.40% |
| Q3 2025 | $301.4M | $272.4M | $246.8M | $22.3M | $1.6M | 0.71% | 4.05% | 0.17% |
| Q2 2025 | $295.5M | $269.7M | $238.2M | $21.3M | $1.0M | 0.70% | 4.02% | 0.25% |
| Q1 2025 | $287.8M | $261.5M | $230.7M | $20.7M | $440K | 0.61% | 3.92% | 0.13% |
| Q4 2024 | $288.0M | $262.4M | $227.7M | $20.1M | $2.0M | 0.70% | 3.82% | 0.06% |
| Q3 2024 | $280.3M | $252.2M | $221.5M | $20.8M | $1.5M | 0.72% | 3.79% | 0.03% |
Loan mix (Q2 2026): real estate $169.4M · commercial $65.5M · consumer $6.3M · securities $30.6M
| Ratio | Decatur County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 62.9% | 83th |
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 | Decatur 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 | Decatur 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 | Decatur 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 | Decatur County 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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