| Metric | Spencer County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.0 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.7 pts |
| Loan growth (YoY) | -1.9% | +5.6% | -7.5 pts |
| ROA | 0.79% | 1.24% | -0.5 pts |
| ROE | 5.6% | 11.9% | -6.3 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $131.2M | $111.6M | $78.1M | $18.7M | $516K | 0.79% | 3.88% | 1.84% |
| Q1 2026 | $131.4M | $112.2M | $78.4M | $18.5M | $272K | 0.83% | 3.82% | 2.10% |
| Q4 2025 | $130.9M | $112.0M | $79.0M | $18.3M | $896K | 0.69% | 3.87% | 1.77% |
| Q3 2025 | $131.6M | $112.9M | $79.9M | $18.0M | $751K | 0.77% | 3.88% | 1.46% |
| Q2 2025 | $130.7M | $112.5M | $79.6M | $17.6M | $492K | 0.76% | 3.85% | 1.15% |
| Q1 2025 | $128.9M | $111.1M | $79.2M | $17.2M | $239K | 0.75% | 3.76% | 1.81% |
| Q4 2024 | $126.4M | $109.1M | $80.0M | $16.7M | $972K | 0.77% | 3.76% | 1.63% |
| Q3 2024 | $125.0M | $107.1M | $81.8M | $16.8M | $743K | 0.79% | 3.77% | 1.55% |
Loan mix (Q2 2026): real estate $64.8M · commercial $5.6M · consumer $5.0M · securities $30.4M
| Ratio | Spencer County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 62.9% | 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 | Spencer 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 | Spencer 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 | Spencer 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 | Spencer 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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