| Metric | Glennville Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.4% | +2.0 pts |
| Deposit growth (YoY) | +5.6% | +4.0% | +1.7 pts |
| Loan growth (YoY) | -1.0% | +5.6% | -6.6 pts |
| ROA | 1.56% | 1.24% | +0.3 pts |
| ROE | 15.9% | 11.9% | +4.1 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $444.2M | $395.5M | $205.7M | $44.0M | $3.4M | 1.56% | 4.14% | 0.51% |
| Q1 2026 | $441.7M | $394.1M | $213.4M | $42.3M | $1.6M | 1.51% | 4.11% | 0.90% |
| Q4 2025 | $416.6M | $370.1M | $215.8M | $41.3M | $6.0M | 1.46% | 4.23% | 0.36% |
| Q3 2025 | $426.7M | $379.5M | $212.6M | $41.8M | $4.6M | 1.50% | 4.16% | 0.33% |
| Q2 2025 | $417.5M | $374.5M | $207.7M | $38.3M | $3.1M | 1.51% | 4.12% | 0.40% |
| Q1 2025 | $407.7M | $365.3M | $204.8M | $37.0M | $1.5M | 1.46% | 4.02% | 0.38% |
| Q4 2024 | $395.7M | $355.9M | $207.3M | $34.6M | $5.2M | 1.35% | 4.08% | 0.38% |
| Q3 2024 | $383.9M | $340.3M | $212.1M | $38.4M | $4.0M | 1.43% | 4.02% | 0.42% |
Loan mix (Q2 2026): real estate $182.6M · commercial $8.0M · consumer $12.1M · securities $115.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Glennville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 62.9% | 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 | Glennville 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 | Glennville 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 | Glennville 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 | Glennville 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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