| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.4% | -5.2 pts |
| Deposit growth (YoY) | -3.8% | +4.0% | -7.8 pts |
| Loan growth (YoY) | -2.1% | +5.6% | -7.7 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 7.6% | 11.9% | -4.2 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $356.5M | $292.2M | $251.6M | $42.0M | $1.6M | 0.87% | 3.52% | 2.38% |
| Q1 2026 | $365.5M | $301.5M | $255.1M | $40.9M | $670K | 0.74% | 3.50% | 0.86% |
| Q4 2025 | $362.7M | $295.2M | $250.0M | $41.0M | $2.2M | 0.62% | 3.32% | 1.01% |
| Q3 2025 | $362.9M | $296.1M | $256.7M | $40.1M | $1.5M | 0.57% | 3.23% | 0.26% |
| Q2 2025 | $359.5M | $303.9M | $256.9M | $38.5M | $989K | 0.55% | 3.18% | 0.21% |
| Q1 2025 | $358.8M | $304.6M | $255.8M | $38.1M | $408K | 0.45% | 3.05% | 0.20% |
| Q4 2024 | $360.4M | $300.6M | $260.1M | $37.2M | $1.1M | 0.30% | 2.69% | 0.18% |
| Q3 2024 | $361.9M | $297.9M | $261.9M | $38.5M | $887K | 0.33% | 2.67% | 0.20% |
Loan mix (Q2 2026): real estate $247.0M · commercial $5.7M · consumer $1.8M · securities $78.8M
| Ratio | MCNB Bank and Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 62.9% | 76th |
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 | MCNB Bank and Trust Co. | 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 | MCNB Bank and Trust Co. | 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 | MCNB Bank and Trust Co. | 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 | MCNB Bank and Trust Co. | 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.