| Metric | Middletown Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +5.5% | +3.5 pts |
| Deposit growth (YoY) | +10.3% | +5.1% | +5.2 pts |
| Loan growth (YoY) | +11.8% | +5.9% | +5.8 pts |
| ROA | 0.45% | 1.26% | -0.8 pts |
| ROE | 5.1% | 12.2% | -7.1 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.19B | $1.08B | $966.5M | $100.6M | $2.6M | 0.45% | 3.78% | 0.10% |
| Q1 2026 | $1.15B | $997.4M | $941.5M | $103.7M | $3.2M | 1.13% | 3.73% | 0.11% |
| Q4 2025 | $1.13B | $985.2M | $924.9M | $101.3M | $9.7M | 0.90% | 3.56% | 0.18% |
| Q3 2025 | $1.09B | $982.9M | $893.9M | $98.7M | $7.1M | 0.88% | 3.51% | 0.19% |
| Q2 2025 | $1.10B | $978.5M | $864.9M | $95.9M | $4.9M | 0.92% | 3.47% | 0.13% |
| Q1 2025 | $1.06B | $933.2M | $855.4M | $93.2M | $2.2M | 0.83% | 3.45% | 0.14% |
| Q4 2024 | $1.02B | $908.5M | $844.4M | $91.0M | $7.8M | 0.74% | 3.13% | 0.15% |
| Q3 2024 | $1.10B | $933.5M | $844.0M | $92.4M | $5.8M | 0.73% | 3.04% | 0.14% |
Loan mix (Q2 2026): real estate $831.3M · commercial $144.3M · consumer $977K · securities $117.1M
| Ratio | Middletown Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 1.26% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 12.2% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 59.0% | 56th |
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 | Middletown Valley 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 | Middletown Valley 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 | Middletown Valley 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 | Middletown Valley Bank | 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.