| Metric | Kingston National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.9% | -1.8 pts |
| Deposit growth (YoY) | +2.5% | +4.3% | -1.8 pts |
| Loan growth (YoY) | +0.0% | +5.3% | -5.3 pts |
| ROA | 0.84% | 1.28% | -0.4 pts |
| ROE | 11.1% | 12.4% | -1.3 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $586.3M | $536.2M | $399.5M | $45.0M | $2.5M | 0.84% | 3.35% | 0.19% |
| Q1 2026 | $582.8M | $534.0M | $397.0M | $43.6M | $1.3M | 0.87% | 3.37% | 0.18% |
| Q4 2025 | $578.8M | $529.8M | $415.8M | $43.7M | $4.3M | 0.75% | 3.19% | 0.21% |
| Q3 2025 | $577.3M | $529.9M | $406.2M | $42.0M | $3.1M | 0.73% | 3.13% | 0.14% |
| Q2 2025 | $568.4M | $522.9M | $399.4M | $39.5M | $1.9M | 0.68% | 3.07% | 0.15% |
| Q1 2025 | $559.3M | $515.0M | $389.9M | $38.5M | $630K | 0.45% | 2.76% | 0.20% |
| Q4 2024 | $569.1M | $525.6M | $406.9M | $37.7M | $1.9M | 0.35% | 2.61% | 0.16% |
| Q3 2024 | $570.2M | $524.6M | $389.3M | $40.4M | $1.5M | 0.36% | 2.57% | 0.10% |
Loan mix (Q2 2026): real estate $306.5M · commercial $37.2M · consumer $7.1M · securities $116.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Kingston National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.28% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 61.2% | 73rd |
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 | Kingston National 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 | Kingston National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Kingston National 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 | Kingston National 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 | Kingston National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 3 counties across 1 state (+0 vs 2024) · $522.9M branch deposits. Biggest market: Ross, OH, ranked 1st with 22.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ross, OH | 3 | $344.6M | 22.41% | 1st |
| Pickaway, OH | 2 | $104.4M | 9.06% | 4th |
| Fairfield, OH | 1 | $73.9M | 2.02% | 14th |
Ohio: 70th with 0.09% · Columbus metro: 38th, 0.14% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6