| Metric | Hyden Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +2.1% | +5.6% | -3.5 pts |
| ROA | 1.57% | 1.24% | +0.3 pts |
| ROE | 23.7% | 11.9% | +11.9 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $148.6M | $134.8M | $81.2M | $9.9M | $1.1M | 1.57% | 4.22% | 0.30% |
| Q1 2026 | $144.3M | $128.3M | $82.5M | $9.4M | $369K | 1.02% | 4.23% | 0.19% |
| Q4 2025 | $146.2M | $128.3M | $82.1M | $9.7M | $1.5M | 1.04% | 3.97% | 0.20% |
| Q3 2025 | $145.1M | $129.2M | $80.0M | $9.0M | $1.0M | 0.95% | 3.91% | 0.20% |
| Q2 2025 | $143.8M | $132.3M | $79.5M | $8.3M | $684K | 0.95% | 3.81% | 0.15% |
| Q1 2025 | $144.6M | $131.6M | $83.3M | $7.8M | $276K | 0.76% | 3.77% | 0.14% |
| Q4 2024 | $144.8M | $134.4M | $82.8M | $7.3M | $987K | 0.68% | 3.39% | 0.20% |
| Q3 2024 | $147.6M | $134.6M | $82.0M | $8.1M | $561K | 0.52% | 3.29% | 0.21% |
Loan mix (Q2 2026): real estate $67.2M · commercial $4.2M · consumer $5.0M · securities $55.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Hyden Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 23.7% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 62.9% | 60th |
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 | Hyden Citizens 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 | Hyden Citizens 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 | Hyden Citizens 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 | Hyden Citizens 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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