| Metric | Hanover Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +5.5% | -4.4 pts |
| Deposit growth (YoY) | +3.1% | +5.1% | -1.9 pts |
| Loan growth (YoY) | +1.3% | +5.9% | -4.6 pts |
| ROA | 0.63% | 1.26% | -0.6 pts |
| ROE | 6.4% | 12.2% | -5.7 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.33B | $2.01B | $1.98B | $235.9M | $7.4M | 0.63% | 3.08% | 1.24% |
| Q1 2026 | $2.37B | $2.05B | $1.99B | $230.5M | $2.5M | 0.42% | 3.05% | 1.07% |
| Q4 2025 | $2.38B | $2.03B | $1.99B | $223.9M | $8.9M | 0.38% | 2.80% | 0.93% |
| Q3 2025 | $2.33B | $1.98B | $1.98B | $224.9M | $8.4M | 0.48% | 2.75% | 0.74% |
| Q2 2025 | $2.31B | $1.95B | $1.96B | $222.3M | $4.6M | 0.40% | 2.72% | 0.75% |
| Q1 2025 | $2.29B | $1.94B | $1.95B | $220.7M | $1.8M | 0.32% | 2.71% | 0.51% |
| Q4 2024 | $2.31B | $1.96B | $1.98B | $219.7M | $13.5M | 0.59% | 2.45% | 0.71% |
| Q3 2024 | $2.33B | $1.96B | $2.00B | $215.0M | $9.3M | 0.54% | 2.42% | 0.66% |
Loan mix (Q2 2026): real estate $1.85B · commercial $150.4M · consumer $450K · securities $136.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Hanover Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.26% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 12.2% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 59.0% | 83th |
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 | Hanover Community 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 | Hanover Community 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 | Hanover Community 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 | Hanover Community 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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