| Metric | Lovelady State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +3.0% | -7.4 pts |
| Deposit growth (YoY) | -5.9% | +2.5% | -8.4 pts |
| Loan growth (YoY) | +0.2% | +2.6% | -2.4 pts |
| ROA | 1.18% | 0.99% | +0.2 pts |
| ROE | 9.8% | 8.1% | +1.7 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.5M | $44.9M | $23.2M | $6.6M | $318K | 1.18% | 4.67% | 1.11% |
| Q1 2026 | $53.7M | $46.2M | $23.2M | $6.5M | $148K | 1.09% | 4.35% | 0.88% |
| Q4 2025 | $55.2M | $47.9M | $23.7M | $6.4M | $715K | 1.31% | 4.73% | 0.77% |
| Q3 2025 | $54.8M | $47.3M | $23.5M | $6.5M | $575K | 1.41% | 4.78% | 0.82% |
| Q2 2025 | $54.9M | $47.7M | $23.2M | $6.3M | $326K | 1.20% | 4.61% | 0.80% |
| Q1 2025 | $55.6M | $48.5M | $23.2M | $6.2M | $207K | 1.53% | 4.54% | 0.74% |
| Q4 2024 | $52.2M | $45.4M | $22.7M | $5.9M | $672K | 1.32% | 5.12% | 0.96% |
| Q3 2024 | $53.2M | $46.1M | $22.4M | $6.3M | $552K | 1.46% | 5.14% | 1.11% |
Loan mix (Q2 2026): real estate $11.7M · commercial $5.0M · consumer $5.2M · securities $9.3M
| Ratio | Lovelady State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.99% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 8.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 70.8% | 59th |
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 | Lovelady State 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 | Lovelady State 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 | Lovelady State 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 | Lovelady State 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.