| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +7.1% | +4.0% | +3.1 pts |
| Loan growth (YoY) | +12.9% | +5.6% | +7.4 pts |
| ROA | 1.16% | 1.24% | -0.1 pts |
| ROE | 13.3% | 11.9% | +1.4 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $332.6M | $297.0M | $245.2M | $29.6M | $1.9M | 1.16% | 4.07% | 1.09% |
| Q1 2026 | $333.8M | $299.6M | $242.4M | $28.3M | $831K | 1.02% | 4.09% | 1.10% |
| Q4 2025 | $321.1M | $286.6M | $243.5M | $28.4M | $3.5M | 1.13% | 4.11% | 0.91% |
| Q3 2025 | $312.4M | $280.7M | $226.5M | $27.1M | $2.5M | 1.09% | 4.08% | 0.85% |
| Q2 2025 | $308.9M | $277.4M | $217.1M | $26.3M | $1.6M | 1.05% | 4.02% | 0.85% |
| Q1 2025 | $310.0M | $279.8M | $213.4M | $25.1M | $716K | 0.95% | 3.89% | 0.91% |
| Q4 2024 | $294.5M | $264.8M | $211.7M | $24.6M | $3.1M | 1.07% | 3.99% | 0.15% |
| Q3 2024 | $291.9M | $260.2M | $213.8M | $24.5M | $2.2M | 1.02% | 3.96% | 0.19% |
Loan mix (Q2 2026): real estate $210.8M · commercial $21.3M · consumer $3.0M · securities $47.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | O'Bannon Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
56th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 62.9% | 39th |
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 | O'Bannon Banking Company | 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 | O'Bannon Banking Company | 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 | O'Bannon Banking Company | 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 | O'Bannon Banking Company | 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.