| Metric | Holcomb Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.4 pts |
| Deposit growth (YoY) | -2.0% | +4.0% | -5.9 pts |
| Loan growth (YoY) | +5.1% | +5.6% | -0.5 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 21.2% | 11.9% | +9.3 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $304.8M | $239.4M | $228.5M | $22.6M | $2.4M | 1.53% | 3.83% | 0.02% |
| Q1 2026 | $314.1M | $243.4M | $229.5M | $22.8M | $1.1M | 1.45% | 3.78% | 0.08% |
| Q4 2025 | $311.6M | $238.1M | $228.6M | $21.6M | $3.9M | 1.30% | 3.63% | 0.02% |
| Q3 2025 | $299.6M | $238.8M | $223.1M | $20.9M | $2.8M | 1.26% | 3.60% | 0.13% |
| Q2 2025 | $299.0M | $244.2M | $217.5M | $20.0M | $1.8M | 1.22% | 3.44% | 0.11% |
| Q1 2025 | $299.8M | $243.4M | $216.4M | $19.7M | $815K | 1.09% | 3.34% | 0.11% |
| Q4 2024 | $297.9M | $238.4M | $213.1M | $18.7M | $2.7M | 0.89% | 2.95% | 0.09% |
| Q3 2024 | $307.0M | $231.5M | $212.5M | $20.3M | $1.9M | 0.82% | 2.85% | 0.12% |
Loan mix (Q2 2026): real estate $206.0M · commercial $18.0M · consumer $3.2M · securities $56.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Holcomb Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 21.2% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 62.9% | 50th |
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 | Holcomb 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 | Holcomb 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 | Holcomb 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 | Holcomb 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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