| Metric | Grandview Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.9% | +2.8 pts |
| Deposit growth (YoY) | +5.7% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +9.0% | +5.3% | +3.7 pts |
| ROA | 2.44% | 1.28% | +1.2 pts |
| ROE | 21.3% | 12.4% | +8.8 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $729.3M | $639.6M | $537.7M | $85.4M | $8.6M | 2.44% | 5.20% | 0.11% |
| Q1 2026 | $703.3M | $616.9M | $540.0M | $81.2M | $4.3M | 2.49% | 5.22% | 0.13% |
| Q4 2025 | $690.1M | $608.9M | $526.7M | $77.1M | $14.7M | 2.15% | 4.87% | 0.13% |
| Q3 2025 | $717.9M | $640.8M | $510.2M | $73.0M | $10.7M | 2.09% | 4.78% | 0.13% |
| Q2 2025 | $677.2M | $605.4M | $493.2M | $68.2M | $6.9M | 2.06% | 4.75% | 0.03% |
| Q1 2025 | $679.6M | $602.8M | $489.5M | $64.6M | $3.3M | 1.95% | 4.65% | 0.03% |
| Q4 2024 | $658.0M | $586.6M | $448.3M | $60.4M | $16.9M | 2.66% | 4.67% | 0.01% |
| Q3 2024 | $654.0M | $584.5M | $426.9M | $58.8M | $13.6M | 2.88% | 4.66% | 0.01% |
Loan mix (Q2 2026): real estate $350.3M · commercial $172.7M · consumer $17.8M · securities $55.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Grandview Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.44% | 1.28% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 21.3% | 12.4% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.3% | 61.2% | 4th |
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 | Grandview 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 | Grandview 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 | Grandview 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 | Grandview 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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