| Metric | Progressive Ozark Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.3 pts |
| Loan growth (YoY) | +1.0% | +5.6% | -4.6 pts |
| ROA | 2.30% | 1.24% | +1.1 pts |
| ROE | 24.2% | 11.9% | +12.3 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $190.9M | $170.7M | $154.3M | $18.4M | $2.2M | 2.30% | 5.60% | 1.19% |
| Q1 2026 | $188.2M | $168.4M | $156.7M | $18.0M | $1.0M | 2.13% | 5.47% | 1.54% |
| Q4 2025 | $189.3M | $169.7M | $156.2M | $17.7M | $3.6M | 1.95% | 5.48% | 1.66% |
| Q3 2025 | $190.1M | $170.8M | $154.7M | $17.5M | $2.7M | 1.98% | 5.44% | 1.45% |
| Q2 2025 | $186.6M | $167.9M | $152.9M | $17.1M | $1.8M | 2.05% | 5.38% | 1.49% |
| Q1 2025 | $177.6M | $159.3M | $152.5M | $16.7M | $895K | 2.03% | 5.27% | 1.62% |
| Q4 2024 | $174.9M | $151.3M | $151.7M | $16.2M | $3.5M | 2.04% | 5.17% | 0.45% |
| Q3 2024 | $169.0M | $150.0M | $146.9M | $16.2M | $2.6M | 2.06% | 5.07% | 0.06% |
Loan mix (Q2 2026): real estate $135.2M · commercial $6.7M · consumer $8.4M · securities $11.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Progressive Ozark Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.30% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 24.2% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 62.9% | 57th |
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 | Progressive Ozark 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 | Progressive Ozark 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 | Progressive Ozark 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 | Progressive Ozark 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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