| Metric | Mound City Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.9% | +1.8 pts |
| Deposit growth (YoY) | +4.8% | +4.3% | +0.5 pts |
| Loan growth (YoY) | +9.3% | +5.3% | +3.9 pts |
| ROA | 1.67% | 1.28% | +0.4 pts |
| ROE | 13.6% | 12.4% | +1.2 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $550.7M | $468.0M | $428.3M | $69.1M | $4.6M | 1.67% | 3.74% | 0.09% |
| Q1 2026 | $545.9M | $470.8M | $416.6M | $66.7M | $2.1M | 1.56% | 3.60% | 0.03% |
| Q4 2025 | $544.2M | $469.8M | $413.6M | $65.4M | $6.7M | 1.31% | 3.44% | 0.01% |
| Q3 2025 | $515.8M | $438.5M | $398.3M | $63.3M | $5.0M | 1.32% | 3.32% | 0.32% |
| Q2 2025 | $515.9M | $446.5M | $392.0M | $60.9M | $3.0M | 1.20% | 3.19% | 0.31% |
| Q1 2025 | $505.8M | $438.4M | $389.6M | $59.0M | $1.6M | 1.27% | 3.01% | 0.33% |
| Q4 2024 | $500.0M | $434.7M | $385.7M | $57.0M | $4.2M | 0.85% | 2.74% | 0.33% |
| Q3 2024 | $503.6M | $431.2M | $385.4M | $57.5M | $3.1M | 0.84% | 2.65% | 0.35% |
Loan mix (Q2 2026): real estate $354.2M · commercial $13.5M · consumer $3.6M · securities $81.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mound City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.28% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 12.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 61.2% | 30th |
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 | Mound City 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 | Mound City 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 | Mound City 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 | Mound City 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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