| Metric | Phelps County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +4.9% | +7.8 pts |
| Deposit growth (YoY) | +14.6% | +4.3% | +10.2 pts |
| Loan growth (YoY) | +10.9% | +5.3% | +5.5 pts |
| ROA | 1.36% | 1.28% | +0.1 pts |
| ROE | 17.4% | 12.4% | +4.9 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $621.7M | $565.5M | $465.8M | $48.6M | $4.2M | 1.36% | 4.28% | 0.88% |
| Q1 2026 | $616.7M | $558.7M | $444.3M | $49.8M | $2.1M | 1.39% | 4.24% | 0.07% |
| Q4 2025 | $617.5M | $561.9M | $445.4M | $47.5M | $8.5M | 1.53% | 4.35% | 0.07% |
| Q3 2025 | $561.8M | $504.2M | $432.0M | $45.1M | $6.5M | 1.60% | 4.40% | 0.06% |
| Q2 2025 | $551.6M | $493.6M | $420.1M | $40.8M | $4.3M | 1.60% | 4.36% | 0.10% |
| Q1 2025 | $535.1M | $458.6M | $407.0M | $41.5M | $2.0M | 1.52% | 4.29% | 0.09% |
| Q4 2024 | $512.9M | $462.5M | $398.5M | $38.3M | $7.4M | 1.51% | 4.08% | 0.09% |
| Q3 2024 | $501.0M | $435.5M | $384.1M | $38.7M | $5.4M | 1.47% | 4.02% | 0.17% |
Loan mix (Q2 2026): real estate $427.6M · commercial $29.0M · consumer $8.4M · securities $55.2M
| Ratio | Phelps County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.28% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | 61.2% | 76th |
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 | Phelps County 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 | Phelps County 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 | Phelps County 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 | Phelps County 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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