| Metric | Madison Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.4% | -5.4 pts |
| Deposit growth (YoY) | +1.3% | +4.0% | -2.7 pts |
| Loan growth (YoY) | -1.1% | +5.6% | -6.6 pts |
| ROA | 1.04% | 1.24% | -0.2 pts |
| ROE | 12.0% | 11.9% | +0.2 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $263.7M | $238.6M | $126.0M | $23.6M | $1.4M | 1.04% | 3.69% | 0.62% |
| Q1 2026 | $282.4M | $258.4M | $124.8M | $23.1M | $631K | 0.93% | 3.57% | 0.68% |
| Q4 2025 | $262.0M | $237.6M | $127.9M | $23.2M | $1.8M | 0.66% | 3.54% | 0.62% |
| Q3 2025 | $274.9M | $250.9M | $126.0M | $22.9M | $1.2M | 0.62% | 3.42% | 0.50% |
| Q2 2025 | $266.5M | $235.6M | $127.4M | $21.7M | $672K | 0.51% | 3.39% | 0.67% |
| Q1 2025 | $269.0M | $235.3M | $127.8M | $22.2M | $449K | 0.68% | 3.46% | 0.57% |
| Q4 2024 | $257.0M | $234.5M | $129.1M | $21.3M | $2.2M | 0.82% | 3.25% | 0.57% |
| Q3 2024 | $269.9M | $246.3M | $132.4M | $22.4M | $1.7M | 0.88% | 3.15% | 0.25% |
Loan mix (Q2 2026): real estate $116.0M · commercial $7.4M · consumer $3.1M · securities $117.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Madison Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 62.9% | 70th |
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 | Madison Valley 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 | Madison Valley 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 | Madison Valley 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 | Madison Valley 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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