| Metric | Hershey Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.1% | +4.4% | +13.7 pts |
| Deposit growth (YoY) | +18.0% | +4.0% | +14.0 pts |
| Loan growth (YoY) | +17.4% | +5.6% | +11.9 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 9.7% | 11.9% | -2.1 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $141.1M | $109.0M | $120.2M | $18.8M | $836K | 1.20% | 3.97% | 1.14% |
| Q1 2026 | $138.7M | $105.2M | $112.1M | $16.2M | $409K | 1.18% | 3.88% | 1.17% |
| Q4 2025 | $138.5M | $100.6M | $114.9M | $16.6M | $1.6M | 1.27% | 4.24% | 1.41% |
| Q3 2025 | $133.4M | $98.7M | $115.5M | $16.2M | $1.2M | 1.27% | 4.19% | 1.66% |
| Q2 2025 | $119.6M | $92.4M | $102.4M | $15.7M | $643K | 1.08% | 4.16% | 1.38% |
| Q1 2025 | $116.1M | $92.1M | $99.0M | $15.3M | $305K | 1.03% | 4.04% | 1.42% |
| Q4 2024 | $121.1M | $86.7M | $100.8M | $15.0M | $1.5M | 1.41% | 4.55% | 1.37% |
| Q3 2024 | $115.6M | $85.5M | $95.7M | $15.0M | $1.1M | 1.41% | 4.54% | 1.53% |
Loan mix (Q2 2026): real estate $75.4M · commercial $21.2M · consumer $1.4M · securities $6.2M
| Ratio | Hershey Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 62.9% | 41th |
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 | Hershey 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 | Hershey 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 | Hershey 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 | Hershey 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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