| Metric | Menard Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +3.0% | +5.8 pts |
| Deposit growth (YoY) | +5.6% | +2.5% | +3.1 pts |
| Loan growth (YoY) | +13.5% | +2.6% | +10.9 pts |
| ROA | 2.22% | 0.99% | +1.2 pts |
| ROE | 24.7% | 8.1% | +16.6 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $90.7M | $82.2M | $14.2M | $8.4M | $985K | 2.22% | 2.72% | 0.00% |
| Q1 2026 | $89.4M | $81.3M | $12.5M | $8.0M | $476K | 2.16% | 2.68% | 0.00% |
| Q4 2025 | $86.6M | $79.0M | $12.2M | $7.5M | $1.9M | 2.23% | 2.56% | 0.00% |
| Q3 2025 | $86.1M | $78.8M | $12.7M | $7.1M | $1.4M | 2.18% | 2.48% | 0.00% |
| Q2 2025 | $83.4M | $77.9M | $12.5M | $5.4M | $927K | 2.23% | 2.45% | 0.00% |
| Q1 2025 | $81.7M | $76.5M | $12.1M | $5.1M | $445K | 2.15% | 2.40% | 0.00% |
| Q4 2024 | $84.0M | $79.9M | $10.4M | $4.1M | $1.7M | 2.05% | 2.05% | 0.00% |
| Q3 2024 | $85.2M | $79.9M | $12.4M | $5.1M | $1.2M | 1.94% | 1.83% | 0.00% |
Loan mix (Q2 2026): real estate $10.8M · commercial $523K · consumer $1.3M · securities $63.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Menard Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 0.99% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 24.7% | 8.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.4% | 70.8% | 4th |
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 | Menard 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 | Menard 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 | Menard 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 | Menard 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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