| Metric | Grand Missouri Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.9% | +4.4% | +15.5 pts |
| Deposit growth (YoY) | +25.3% | +4.0% | +21.3 pts |
| Loan growth (YoY) | +21.8% | +5.6% | +16.2 pts |
| ROA | 1.01% | 1.24% | -0.2 pts |
| ROE | 6.9% | 11.9% | -5.0 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.1M | $127.0M | $121.9M | $21.4M | $720K | 1.01% | 4.80% | 0.18% |
| Q1 2026 | $139.5M | $115.8M | $114.4M | $21.0M | $344K | 1.00% | 4.79% | 0.20% |
| Q4 2025 | $135.1M | $111.9M | $111.8M | $20.6M | $-204K | -0.16% | 3.25% | 0.22% |
| Q3 2025 | $132.3M | $107.3M | $106.2M | $20.4M | $-433K | -0.45% | 2.66% | 0.11% |
| Q2 2025 | $126.0M | $101.3M | $100.1M | $20.0M | $-765K | -1.21% | 1.56% | 0.14% |
| Q1 2025 | $127.4M | $102.6M | $100.8M | $20.1M | $212K | 0.67% | 3.85% | 0.14% |
| Q4 2024 | $124.4M | $99.9M | $98.4M | $19.9M | $254K | 0.22% | 3.92% | 0.14% |
| Q3 2024 | $117.7M | $93.2M | $93.7M | $19.8M | $132K | 0.16% | 3.90% | 0.00% |
Loan mix (Q2 2026): real estate $106.2M · commercial $11.1M · consumer $2.2M · securities $3.7M
| Ratio | Grand Missouri Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 11.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 62.9% | 50th |
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 | Grand Missouri 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 | Grand Missouri 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 | Grand Missouri 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 | Grand Missouri 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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