| Metric | Grand Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.9% | +1.3 pts |
| Deposit growth (YoY) | +4.6% | +4.3% | +0.3 pts |
| Loan growth (YoY) | +1.8% | +5.3% | -3.5 pts |
| ROA | 1.19% | 1.28% | -0.1 pts |
| ROE | 13.2% | 12.4% | +0.8 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 | $599.4M | $541.3M | $281.6M | $55.2M | $3.5M | 1.19% | 3.76% | 0.01% |
| Q1 2026 | $597.4M | $542.6M | $277.4M | $52.2M | $1.7M | 1.14% | 3.70% | 0.01% |
| Q4 2025 | $586.5M | $530.9M | $281.7M | $52.8M | $7.1M | 1.23% | 3.77% | 0.01% |
| Q3 2025 | $588.3M | $535.8M | $274.9M | $50.0M | $5.2M | 1.20% | 3.74% | 0.01% |
| Q2 2025 | $564.4M | $517.4M | $276.5M | $44.5M | $3.4M | 1.18% | 3.71% | 0.11% |
| Q1 2025 | $575.2M | $527.8M | $271.1M | $45.0M | $1.6M | 1.12% | 3.62% | 0.11% |
| Q4 2024 | $578.1M | $532.8M | $272.2M | $42.7M | $7.2M | 1.25% | 3.71% | 0.01% |
| Q3 2024 | $584.8M | $535.3M | $273.0M | $46.9M | $5.3M | 1.23% | 3.66% | 0.01% |
Loan mix (Q2 2026): real estate $254.3M · commercial $5.7M · consumer $1.1M · securities $272.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Grand Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.28% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 61.2% | 45th |
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 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 | Grand 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 | Grand 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 | Grand 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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