| Metric | Meade County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.3 pts |
| Loan growth (YoY) | +8.2% | +5.6% | +2.7 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 14.7% | 11.9% | +2.8 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $458.4M | $384.4M | $386.5M | $37.0M | $2.6M | 1.15% | 3.48% | 0.21% |
| Q1 2026 | $469.7M | $395.7M | $384.6M | $35.9M | $1.5M | 1.34% | 3.50% | 0.06% |
| Q4 2025 | $448.1M | $376.5M | $376.4M | $35.0M | $5.1M | 1.17% | 3.41% | 0.18% |
| Q3 2025 | $441.2M | $368.9M | $370.8M | $33.6M | $3.5M | 1.11% | 3.36% | 0.02% |
| Q2 2025 | $431.7M | $361.9M | $357.1M | $31.5M | $2.1M | 1.01% | 3.30% | 0.00% |
| Q1 2025 | $427.2M | $358.3M | $353.0M | $30.6M | $967K | 0.92% | 3.23% | 0.07% |
| Q4 2024 | $411.6M | $343.7M | $340.9M | $29.6M | $3.4M | 0.86% | 2.89% | 0.02% |
| Q3 2024 | $411.2M | $341.2M | $335.3M | $30.1M | $2.4M | 0.79% | 2.81% | 0.04% |
Loan mix (Q2 2026): real estate $359.0M · commercial $14.3M · consumer $11.6M · securities $38.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Meade County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 62.9% | 32th |
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 | Meade County 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 | Meade County 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 | Meade County 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 | Meade County 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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