| Metric | Grundy Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.9% | +2.4 pts |
| Deposit growth (YoY) | +7.0% | +4.3% | +2.7 pts |
| Loan growth (YoY) | -3.6% | +5.3% | -8.9 pts |
| ROA | 2.92% | 1.28% | +1.6 pts |
| ROE | 23.0% | 12.4% | +10.6 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $504.7M | $449.3M | $246.1M | $53.4M | $6.1M | 2.92% | 4.52% | 0.10% |
| Q1 2026 | $374.7M | $319.7M | $249.7M | $53.2M | $3.1M | 3.34% | 4.97% | 0.00% |
| Q4 2025 | $372.1M | $318.2M | $261.6M | $52.2M | $11.5M | 2.92% | 4.78% | 0.00% |
| Q3 2025 | $412.5M | $360.6M | $266.3M | $49.4M | $8.7M | 2.90% | 4.64% | 0.00% |
| Q2 2025 | $470.3M | $419.9M | $255.2M | $48.4M | $5.7M | 2.90% | 4.60% | 0.00% |
| Q1 2025 | $360.4M | $310.6M | $249.2M | $48.0M | $2.8M | 3.20% | 4.95% | 0.03% |
| Q4 2024 | $348.6M | $300.1M | $243.9M | $46.9M | $10.6M | 2.96% | 4.87% | 0.12% |
| Q3 2024 | $398.6M | $351.7M | $236.6M | $44.5M | $8.0M | 2.97% | 4.77% | 0.06% |
Loan mix (Q2 2026): real estate $196.0M · commercial $29.7M · consumer $1.7M · securities $56.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Grundy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.92% | 1.28% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 23.0% | 12.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.9% | 61.2% | 10th |
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 | Grundy 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 | Grundy 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 | Grundy 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 | Grundy 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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