| Metric | Rhinebeck Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.4% | +5.5% | +9.9 pts |
| Deposit growth (YoY) | +19.3% | +5.1% | +14.3 pts |
| Loan growth (YoY) | -4.4% | +5.9% | -10.3 pts |
| ROA | 0.82% | 1.26% | -0.4 pts |
| ROE | 8.1% | 12.2% | -4.1 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.47B | $1.30B | $918.5M | $138.9M | $5.5M | 0.82% | 3.65% | 0.24% |
| Q1 2026 | $1.28B | $1.12B | $936.8M | $136.1M | $2.5M | 0.78% | 3.76% | 0.28% |
| Q4 2025 | $1.30B | $1.12B | $953.4M | $133.9M | $11.4M | 0.89% | 3.95% | 0.29% |
| Q3 2025 | $1.32B | $1.13B | $977.6M | $130.5M | $8.7M | 0.91% | 3.94% | 0.29% |
| Q2 2025 | $1.27B | $1.09B | $960.8M | $126.0M | $5.7M | 0.90% | 3.91% | 0.24% |
| Q1 2025 | $1.26B | $1.05B | $976.5M | $122.6M | $2.6M | 0.83% | 3.85% | 0.30% |
| Q4 2024 | $1.26B | $1.04B | $971.8M | $118.1M | $-7.5M | -0.59% | 3.26% | 0.35% |
| Q3 2024 | $1.27B | $1.06B | $964.9M | $119.1M | $-5.1M | -0.53% | 3.13% | 0.39% |
Loan mix (Q2 2026): real estate $646.5M · commercial $97.6M · consumer $181.4M · securities $171.4M
| Ratio | Rhinebeck Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.26% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 12.2% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 59.0% | 85th |
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 | Rhinebeck 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 | Rhinebeck 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 | Rhinebeck 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 | Rhinebeck 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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