| Metric | Lake Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +8.2% | +4.0% | +4.3 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 2.38% | 1.24% | +1.1 pts |
| ROE | 22.8% | 11.9% | +10.9 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $291.3M | $257.3M | $183.7M | $30.5M | $3.4M | 2.38% | 4.30% | 0.03% |
| Q1 2026 | $282.5M | $250.1M | $184.1M | $29.1M | $1.7M | 2.39% | 4.34% | 0.03% |
| Q4 2025 | $287.1M | $246.3M | $188.3M | $30.7M | $5.4M | 1.91% | 4.17% | 0.03% |
| Q3 2025 | $287.5M | $242.2M | $177.2M | $28.8M | $3.8M | 1.84% | 4.09% | 0.04% |
| Q2 2025 | $279.7M | $237.8M | $169.4M | $26.2M | $2.3M | 1.70% | 4.08% | 0.04% |
| Q1 2025 | $270.4M | $242.1M | $160.2M | $25.8M | $1.1M | 1.57% | 4.08% | 0.05% |
| Q4 2024 | $277.0M | $245.3M | $161.3M | $24.8M | $4.2M | 1.53% | 3.62% | 0.11% |
| Q3 2024 | $278.4M | $243.0M | $157.7M | $26.7M | $3.1M | 1.48% | 3.49% | 0.08% |
Loan mix (Q2 2026): real estate $118.5M · commercial $37.2M · consumer $14.0M · securities $81.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lake Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.38% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 22.8% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.2% | 62.9% | 13th |
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 | Lake Central 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 | Lake Central 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 | Lake Central 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 | Lake Central 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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