| Metric | Ford County State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +3.0% | -7.5 pts |
| Deposit growth (YoY) | +9.7% | +2.5% | +7.2 pts |
| Loan growth (YoY) | -0.7% | +2.6% | -3.3 pts |
| ROA | 0.89% | 0.99% | -0.1 pts |
| ROE | 10.0% | 8.1% | +2.0 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.4M | $52.8M | $30.2M | $5.3M | $264K | 0.89% | 3.45% | 0.23% |
| Q1 2026 | $58.9M | $53.3M | $29.1M | $5.2M | $121K | 0.81% | 3.32% | 0.04% |
| Q4 2025 | $60.9M | $48.4M | $30.3M | $5.3M | $407K | 0.68% | 3.04% | 0.00% |
| Q3 2025 | $60.7M | $48.3M | $30.2M | $5.0M | $299K | 0.66% | 2.98% | 0.12% |
| Q2 2025 | $61.2M | $48.1M | $30.4M | $4.7M | $221K | 0.74% | 3.01% | 0.00% |
| Q1 2025 | $59.2M | $49.4M | $28.1M | $4.4M | $123K | 0.83% | 3.05% | 0.00% |
| Q4 2024 | $59.2M | $47.5M | $28.4M | $4.0M | $138K | 0.25% | 2.61% | 0.00% |
| Q3 2024 | $56.5M | $45.8M | $25.6M | $4.4M | $49K | 0.12% | 2.51% | 0.13% |
Loan mix (Q2 2026): real estate $11.8M · commercial $8.3M · consumer $530K · securities $21.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ford County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.99% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 8.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 70.8% | 33th |
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 | Ford County State 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 | Ford County State 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 | Ford County State 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 | Ford County State 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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