| Metric | Kennett Trust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.4% | +4.4% | -11.8 pts |
| Deposit growth (YoY) | -11.8% | +4.0% | -15.8 pts |
| Loan growth (YoY) | -1.8% | +5.6% | -7.3 pts |
| ROA | 0.53% | 1.24% | -0.7 pts |
| ROE | 5.4% | 11.9% | -6.5 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.1M | $97.3M | $76.5M | $12.4M | $332K | 0.53% | 3.17% | 2.02% |
| Q1 2026 | $126.8M | $109.7M | $78.0M | $12.3M | $184K | 0.58% | 3.32% | 3.09% |
| Q4 2025 | $127.0M | $113.0M | $79.0M | $12.3M | $306K | 0.23% | 3.46% | 2.75% |
| Q3 2025 | $129.2M | $108.9M | $78.8M | $12.9M | $911K | 0.92% | 3.44% | 2.39% |
| Q2 2025 | $131.9M | $110.3M | $77.9M | $12.4M | $706K | 1.06% | 3.50% | 1.16% |
| Q1 2025 | $130.5M | $110.7M | $77.2M | $12.0M | $170K | 0.51% | 3.23% | 1.08% |
| Q4 2024 | $136.9M | $123.5M | $77.2M | $11.8M | $596K | 0.45% | 3.23% | 1.41% |
| Q3 2024 | $128.8M | $112.4M | $76.7M | $12.2M | $413K | 0.42% | 3.24% | 1.43% |
Loan mix (Q2 2026): real estate $49.6M · commercial $18.7M · consumer $6.1M · securities $31.8M
| Ratio | Kennett Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 62.9% | 86th |
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 | Kennett Trust 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 | Kennett Trust 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 | Kennett Trust 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 | Kennett Trust 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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