| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.4% | +4.4 pts |
| Deposit growth (YoY) | +8.6% | +4.0% | +4.6 pts |
| Loan growth (YoY) | +17.8% | +5.6% | +12.2 pts |
| ROA | 1.81% | 1.24% | +0.6 pts |
| ROE | 21.9% | 11.9% | +10.0 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $277.3M | $247.7M | $219.7M | $23.2M | $2.4M | 1.81% | 3.76% | 1.01% |
| Q1 2026 | $275.0M | $246.5M | $216.5M | $22.3M | $1.3M | 2.00% | 3.71% | 1.03% |
| Q4 2025 | $256.8M | $223.1M | $201.8M | $21.5M | $4.0M | 1.55% | 3.66% | 1.24% |
| Q3 2025 | $259.2M | $231.7M | $189.1M | $20.7M | $3.0M | 1.60% | 3.63% | 1.33% |
| Q2 2025 | $255.1M | $228.2M | $186.5M | $19.9M | $2.2M | 1.77% | 3.71% | 1.35% |
| Q1 2025 | $250.1M | $224.1M | $187.4M | $19.1M | $850K | 1.35% | 3.14% | 2.09% |
| Q4 2024 | $252.9M | $227.0M | $184.3M | $18.6M | $2.0M | 0.83% | 3.10% | 2.14% |
| Q3 2024 | $240.4M | $210.2M | $176.6M | $18.8M | $1.6M | 0.91% | 3.09% | 2.20% |
Loan mix (Q2 2026): real estate $145.6M · commercial $23.7M · consumer $4.7M · securities $40.4M
| Ratio | DeWitt Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 21.9% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
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 | DeWitt Bank & Trust Co. | 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 | DeWitt Bank & Trust Co. | 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 | DeWitt Bank & Trust Co. | 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 | DeWitt Bank & Trust Co. | 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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