| Metric | Raccoon Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.6 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.3 pts |
| Loan growth (YoY) | +12.1% | +5.6% | +6.5 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 17.5% | 11.9% | +5.6 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $486.0M | $430.2M | $376.7M | $46.1M | $3.9M | 1.62% | 3.97% | 0.58% |
| Q1 2026 | $489.9M | $435.4M | $371.8M | $44.5M | $1.9M | 1.56% | 3.88% | 0.70% |
| Q4 2025 | $472.9M | $416.8M | $367.9M | $43.6M | $3.8M | 0.82% | 3.65% | 0.48% |
| Q3 2025 | $475.6M | $417.7M | $359.5M | $43.6M | $3.6M | 1.05% | 3.58% | 0.74% |
| Q2 2025 | $454.2M | $408.9M | $336.0M | $41.8M | $2.3M | 1.00% | 3.46% | 0.92% |
| Q1 2025 | $467.3M | $422.3M | $332.5M | $41.0M | $1.0M | 0.90% | 3.19% | 1.18% |
| Q4 2024 | $449.0M | $404.6M | $334.3M | $40.1M | $3.5M | 0.78% | 3.02% | 1.21% |
| Q3 2024 | $447.3M | $401.7M | $349.0M | $40.8M | $2.8M | 0.84% | 2.98% | 1.46% |
Loan mix (Q2 2026): real estate $300.3M · commercial $50.4M · consumer $664K · securities $73.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Raccoon Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 62.9% | 29th |
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 | Raccoon 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 | Raccoon 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 | Raccoon 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 | Raccoon Valley 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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