| Metric | Genoa Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +3.0% | -3.8 pts |
| Deposit growth (YoY) | -0.4% | +2.5% | -2.9 pts |
| Loan growth (YoY) | -8.1% | +2.6% | -10.7 pts |
| ROA | 1.52% | 0.99% | +0.5 pts |
| ROE | 12.7% | 8.1% | +4.7 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $70.5M | $59.7M | $45.6M | $8.6M | $536K | 1.52% | 4.33% | 0.00% |
| Q1 2026 | $70.5M | $60.1M | $47.9M | $8.3M | $232K | 1.32% | 4.25% | 0.00% |
| Q4 2025 | $70.6M | $57.8M | $51.7M | $8.3M | $941K | 1.35% | 4.26% | 0.00% |
| Q3 2025 | $67.9M | $58.4M | $47.8M | $8.3M | $689K | 1.32% | 4.22% | 0.00% |
| Q2 2025 | $71.0M | $59.9M | $49.6M | $8.0M | $433K | 1.24% | 4.06% | 0.00% |
| Q1 2025 | $68.1M | $55.2M | $45.2M | $7.8M | $182K | 1.05% | 3.98% | 0.00% |
| Q4 2024 | $70.7M | $51.2M | $49.3M | $7.6M | $824K | 1.19% | 3.97% | 0.00% |
| Q3 2024 | $67.0M | $54.1M | $46.0M | $7.8M | $608K | 1.18% | 3.98% | 0.00% |
Loan mix (Q2 2026): real estate $15.3M · commercial $7.9M · consumer $607K · securities $18.4M
| Ratio | Genoa Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.99% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 8.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 70.8% | 34th |
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 | Genoa Community 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 | Genoa Community 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 | Genoa Community 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 | Genoa Community 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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