| Metric | Kress National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.5% | +3.0% | +14.5 pts |
| Deposit growth (YoY) | +19.6% | +2.5% | +17.1 pts |
| Loan growth (YoY) | -16.8% | +2.6% | -19.4 pts |
| ROA | 1.30% | 0.99% | +0.3 pts |
| ROE | 13.5% | 8.1% | +5.5 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.7M | $57.5M | $14.8M | $6.0M | $410K | 1.30% | 3.18% | 0.00% |
| Q1 2026 | $65.7M | $59.4M | $14.8M | $6.0M | $164K | 1.04% | 2.88% | 0.00% |
| Q4 2025 | $60.2M | $53.7M | $15.2M | $6.2M | $770K | 1.37% | 3.52% | 0.00% |
| Q3 2025 | $61.0M | $54.6M | $19.0M | $6.1M | $614K | 1.49% | 3.59% | 0.00% |
| Q2 2025 | $54.2M | $48.1M | $17.8M | $5.8M | $418K | 1.58% | 3.75% | 0.00% |
| Q1 2025 | $55.8M | $49.8M | $16.6M | $5.7M | $199K | 1.52% | 3.71% | 0.00% |
| Q4 2024 | $49.0M | $43.1M | $18.3M | $5.6M | $670K | 1.30% | 3.66% | 0.00% |
| Q3 2024 | $48.7M | $42.8M | $18.4M | $5.6M | $582K | 1.49% | 3.68% | 0.00% |
Loan mix (Q2 2026): real estate $3.5M · commercial $2.7M · consumer $991K · securities $25.4M
| Ratio | Kress National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.99% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 8.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 70.8% | 27th |
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 | Kress 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 | Kress 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 | Kress 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 | Kress National 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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