| Metric | Dozier Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.0% | -3.5 pts |
| Deposit growth (YoY) | -3.0% | +2.5% | -5.5 pts |
| Loan growth (YoY) | -10.9% | +2.6% | -13.5 pts |
| ROA | 1.06% | 0.99% | +0.1 pts |
| ROE | 4.3% | 8.1% | -3.7 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.8M | $40.3M | $19.8M | $13.6M | $292K | 1.06% | 3.30% | 0.67% |
| Q1 2026 | $55.7M | $41.2M | $21.6M | $13.5M | $152K | 1.10% | 3.34% | 0.42% |
| Q4 2025 | $54.5M | $40.3M | $21.8M | $13.3M | $548K | 1.01% | 3.22% | 1.39% |
| Q3 2025 | $53.1M | $39.2M | $21.9M | $13.0M | $421K | 1.03% | 3.25% | 0.08% |
| Q2 2025 | $55.1M | $41.6M | $22.3M | $12.6M | $305K | 1.11% | 3.17% | 0.11% |
| Q1 2025 | $54.6M | $41.1M | $22.0M | $12.4M | $103K | 0.75% | 2.99% | 0.75% |
| Q4 2024 | $55.2M | $41.8M | $21.3M | $12.4M | $492K | 0.90% | 3.18% | 0.84% |
| Q3 2024 | $55.2M | $41.6M | $22.6M | $12.6M | $384K | 0.94% | 3.14% | 1.19% |
Loan mix (Q2 2026): real estate $15.1M · commercial $3.4M · consumer $994K · securities $20.3M
| Ratio | Dozier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.99% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 8.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.7% | 70.8% | 25th |
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 | Dozier 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 | Dozier 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 | Dozier 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 | Dozier 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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