| Metric | Midland Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +3.0% | +0.5 pts |
| Deposit growth (YoY) | -1.2% | +2.5% | -3.7 pts |
| Loan growth (YoY) | -11.5% | +2.6% | -14.1 pts |
| ROA | 1.66% | 0.99% | +0.7 pts |
| ROE | 9.8% | 8.1% | +1.7 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68.8M | $56.6M | $36.7M | $12.0M | $575K | 1.66% | 4.73% | 0.00% |
| Q1 2026 | $69.0M | $56.9M | $37.7M | $11.8M | $296K | 1.71% | 4.65% | 0.00% |
| Q4 2025 | $69.5M | $57.9M | $37.2M | $11.5M | $537K | 0.80% | 0.80% | 0.39% |
| Q3 2025 | $65.2M | $55.4M | $41.4M | $9.5M | $508K | 1.03% | 3.62% | 0.20% |
| Q2 2025 | $66.5M | $57.3M | $41.5M | $9.0M | $300K | 0.90% | 3.52% | 0.20% |
| Q1 2025 | $67.0M | $57.8M | $41.4M | $8.9M | $145K | 0.87% | 3.48% | 0.11% |
| Q4 2024 | $65.6M | $56.7M | $43.1M | $8.5M | $434K | 0.63% | 3.48% | 0.37% |
| Q3 2024 | $68.0M | $58.3M | $46.3M | $9.2M | $368K | 0.71% | 3.50% | 0.50% |
Loan mix (Q2 2026): real estate $30.6M · commercial $3.9M · consumer $1.2M · securities $16.7M
| Ratio | Midland Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 0.99% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 8.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.1% | 70.8% | 12th |
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 | Midland Community 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 | Midland Community 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 | Midland Community 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 | Midland Community 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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