| Metric | Kentland Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.3 pts |
| Loan growth (YoY) | +11.6% | +5.6% | +6.0 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 13.8% | 11.9% | +1.9 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $419.4M | $321.9M | $282.9M | $47.0M | $3.1M | 1.53% | 4.51% | 1.52% |
| Q1 2026 | $402.2M | $311.0M | $264.6M | $44.5M | $1.4M | 1.36% | 4.42% | 1.57% |
| Q4 2025 | $406.5M | $310.7M | $272.3M | $44.6M | $5.0M | 1.27% | 4.28% | 1.56% |
| Q3 2025 | $408.9M | $317.3M | $270.1M | $45.5M | $3.7M | 1.27% | 4.23% | 0.59% |
| Q2 2025 | $392.8M | $308.8M | $253.5M | $43.2M | $2.5M | 1.27% | 4.13% | 0.58% |
| Q1 2025 | $389.4M | $312.0M | $246.2M | $41.3M | $1.1M | 1.17% | 4.05% | 0.61% |
| Q4 2024 | $379.3M | $300.2M | $227.2M | $40.2M | $4.3M | 1.16% | 3.91% | 1.06% |
| Q3 2024 | $396.8M | $302.3M | $236.5M | $43.6M | $3.3M | 1.19% | 3.87% | 1.08% |
Loan mix (Q2 2026): real estate $218.7M · commercial $34.9M · consumer $1.6M · securities $98.3M
| Ratio | Kentland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 62.9% | 16th |
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 | Kentland 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 | Kentland 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 | Kentland 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 | Kentland 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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