| Metric | Fredonia Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +4.4% | +7.9 pts |
| Deposit growth (YoY) | +13.9% | +4.0% | +9.9 pts |
| Loan growth (YoY) | +1.1% | +5.6% | -4.5 pts |
| ROA | 0.93% | 1.24% | -0.3 pts |
| ROE | 9.7% | 11.9% | -2.2 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $119.8M | $105.5M | $72.1M | $11.3M | $551K | 0.93% | 3.92% | 0.73% |
| Q1 2026 | $120.4M | $106.1M | $71.7M | $11.4M | $256K | 0.87% | 3.82% | 0.79% |
| Q4 2025 | $115.7M | $101.1M | $71.8M | $11.5M | $937K | 0.85% | 3.88% | 1.65% |
| Q3 2025 | $113.2M | $98.4M | $72.3M | $11.3M | $713K | 0.87% | 3.83% | 1.53% |
| Q2 2025 | $106.7M | $92.6M | $71.3M | $10.6M | $415K | 0.77% | 3.74% | 1.21% |
| Q1 2025 | $106.9M | $93.2M | $69.2M | $10.3M | $204K | 0.75% | 3.66% | 0.97% |
| Q4 2024 | $110.1M | $95.3M | $68.3M | $10.7M | $747K | 0.72% | 3.65% | 1.24% |
| Q3 2024 | $105.7M | $89.8M | $66.3M | $11.5M | $535K | 0.69% | 3.67% | 1.04% |
Loan mix (Q2 2026): real estate $57.2M · commercial $10.6M · consumer $3.3M · securities $22.6M
| Ratio | Fredonia Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 62.9% | 69th |
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 | Fredonia Valley 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 | Fredonia Valley 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 | Fredonia Valley 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 | Fredonia Valley 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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