| Metric | McClain Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +4.4% | +3.6 pts |
| Deposit growth (YoY) | +9.8% | +4.0% | +5.9 pts |
| Loan growth (YoY) | +11.8% | +5.6% | +6.2 pts |
| ROA | 1.70% | 1.24% | +0.5 pts |
| ROE | 16.9% | 11.9% | +5.0 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $294.0M | $265.8M | $200.0M | $27.6M | $2.5M | 1.70% | 5.19% | 0.30% |
| Q1 2026 | $293.5M | $262.2M | $191.0M | $30.5M | $1.2M | 1.69% | 5.14% | 0.26% |
| Q4 2025 | $282.0M | $251.5M | $191.6M | $29.5M | $5.0M | 1.81% | 5.21% | 0.28% |
| Q3 2025 | $277.4M | $247.9M | $182.6M | $28.6M | $4.0M | 1.94% | 5.18% | 0.58% |
| Q2 2025 | $272.4M | $242.0M | $178.9M | $29.8M | $2.7M | 1.96% | 5.20% | 0.66% |
| Q1 2025 | $285.5M | $256.1M | $175.8M | $28.5M | $1.3M | 1.80% | 5.05% | 0.39% |
| Q4 2024 | $276.3M | $248.1M | $177.4M | $27.3M | $4.3M | 1.59% | 5.01% | 0.40% |
| Q3 2024 | $269.1M | $240.3M | $176.4M | $28.1M | $3.6M | 1.78% | 4.94% | 0.39% |
Loan mix (Q2 2026): real estate $185.3M · commercial $12.7M · consumer $3.1M · securities $36.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | McClain Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 62.9% | 30th |
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 | McClain 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 | McClain 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 | McClain 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 | McClain 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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