| Metric | Kinmundy Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.3% | +3.0% | +13.3 pts |
| Deposit growth (YoY) | +16.9% | +2.5% | +14.4 pts |
| Loan growth (YoY) | +7.7% | +2.6% | +5.1 pts |
| ROA | 2.14% | 0.99% | +1.1 pts |
| ROE | 15.4% | 8.1% | +7.4 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $80.1M | $69.0M | $50.5M | $10.9M | $818K | 2.14% | 4.49% | 0.54% |
| Q1 2026 | $76.2M | $65.4M | $48.3M | $10.6M | $395K | 2.11% | 4.49% | 0.54% |
| Q4 2025 | $73.6M | $63.2M | $48.8M | $10.2M | $1.7M | 2.46% | 4.75% | 0.59% |
| Q3 2025 | $72.2M | $61.6M | $48.0M | $10.2M | $1.3M | 2.58% | 4.70% | 0.41% |
| Q2 2025 | $68.8M | $59.0M | $46.8M | $9.7M | $828K | 2.43% | 4.75% | 0.73% |
| Q1 2025 | $69.3M | $59.8M | $45.2M | $9.4M | $437K | 2.58% | 4.73% | 0.65% |
| Q4 2024 | $66.0M | $56.0M | $45.4M | $8.8M | $1.2M | 1.83% | 4.43% | 0.97% |
| Q3 2024 | $66.6M | $57.2M | $44.4M | $9.2M | $968K | 1.95% | 4.37% | 0.83% |
Loan mix (Q2 2026): real estate $31.1M · commercial $3.4M · consumer $12.6M · securities $19.2M
| Ratio | Kinmundy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 0.99% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 8.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.4% | 70.8% | 3th |
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 | Kinmundy 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 | Kinmundy 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 | Kinmundy 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 | Kinmundy 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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