| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.9% | -4.2 pts |
| Deposit growth (YoY) | +0.3% | +4.3% | -4.0 pts |
| Loan growth (YoY) | +3.3% | +5.3% | -2.0 pts |
| ROA | 1.09% | 1.28% | -0.2 pts |
| ROE | 13.9% | 12.4% | +1.5 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $611.3M | $530.3M | $401.4M | $48.0M | $3.3M | 1.09% | 3.87% | 1.62% |
| Q1 2026 | $601.7M | $527.4M | $392.4M | $47.4M | $1.6M | 1.07% | 3.81% | 1.48% |
| Q4 2025 | $597.5M | $516.6M | $386.5M | $47.2M | $5.8M | 0.96% | 3.70% | 1.30% |
| Q3 2025 | $607.4M | $530.8M | $385.1M | $46.3M | $3.8M | 0.85% | 3.59% | 0.97% |
| Q2 2025 | $606.8M | $528.8M | $388.5M | $41.6M | $2.4M | 0.82% | 3.56% | 1.23% |
| Q1 2025 | $585.6M | $499.2M | $384.2M | $41.7M | $1.2M | 0.79% | 3.52% | 0.88% |
| Q4 2024 | $584.0M | $491.7M | $386.4M | $38.7M | $5.4M | 0.93% | 3.45% | 1.27% |
| Q3 2024 | $585.9M | $499.9M | $380.8M | $43.8M | $4.0M | 0.92% | 3.43% | 1.65% |
Loan mix (Q2 2026): real estate $351.0M · commercial $45.7M · consumer $2.2M · securities $149.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mercer County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.28% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 61.2% | 66th |
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 | Mercer County State 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 | Mercer County State 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 | Mercer County State 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 | Mercer County State 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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