| Metric | NINNESCAH VALLEY BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.0% | +2.6 pts |
| Deposit growth (YoY) | +3.9% | +2.5% | +1.4 pts |
| Loan growth (YoY) | +4.0% | +2.6% | +1.4 pts |
| ROA | 1.32% | 0.99% | +0.3 pts |
| ROE | 14.7% | 8.1% | +6.6 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.6M | $40.5M | $18.0M | $4.0M | $284K | 1.32% | 4.14% | 1.46% |
| Q1 2026 | $44.1M | $40.1M | $16.8M | $3.9M | $114K | 1.08% | 3.98% | 1.42% |
| Q4 2025 | $40.5M | $36.5M | $16.4M | $3.7M | $407K | 0.97% | 4.18% | 1.71% |
| Q3 2025 | $42.3M | $38.1M | $17.2M | $3.6M | $303K | 0.96% | 4.20% | 1.72% |
| Q2 2025 | $42.2M | $39.0M | $17.3M | $3.0M | $236K | 1.12% | 4.21% | 1.92% |
| Q1 2025 | $42.9M | $39.8M | $16.2M | $3.0M | $91K | 0.87% | 4.17% | 1.77% |
| Q4 2024 | $41.0M | $38.2M | $15.9M | $2.7M | $366K | 0.93% | 3.76% | 0.95% |
| Q3 2024 | $39.9M | $35.3M | $16.9M | $3.3M | $289K | 0.98% | 3.68% | 1.06% |
Loan mix (Q2 2026): real estate $8.1M · commercial $3.0M · consumer $666K · securities $23.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | NINNESCAH VALLEY BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.99% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 8.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 70.8% | 35th |
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 | NINNESCAH 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 | NINNESCAH 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 | NINNESCAH 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 | NINNESCAH 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.