| Metric | Thayer County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.0% | +1.5 pts |
| Deposit growth (YoY) | +1.8% | +2.5% | -0.7 pts |
| Loan growth (YoY) | +3.2% | +2.6% | +0.6 pts |
| ROA | 1.04% | 0.99% | +0.0 pts |
| ROE | 9.7% | 8.1% | +1.7 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $88.5M | $66.5M | $50.6M | $9.6M | $453K | 1.04% | 3.80% | 0.18% |
| Q1 2026 | $84.5M | $63.0M | $50.1M | $9.1M | $185K | 0.85% | 3.77% | 0.01% |
| Q4 2025 | $89.5M | $67.7M | $51.2M | $9.2M | $783K | 0.92% | 3.61% | 0.00% |
| Q3 2025 | $83.9M | $64.2M | $50.3M | $8.8M | $631K | 1.01% | 3.59% | 0.15% |
| Q2 2025 | $84.7M | $65.3M | $49.0M | $8.2M | $401K | 0.96% | 3.52% | 0.12% |
| Q1 2025 | $84.3M | $65.4M | $50.0M | $8.0M | $161K | 0.78% | 3.39% | 0.23% |
| Q4 2024 | $81.7M | $62.4M | $50.8M | $7.7M | $810K | 1.00% | 3.39% | 0.06% |
| Q3 2024 | $80.8M | $60.9M | $50.9M | $8.1M | $436K | 0.72% | 3.33% | 0.11% |
Loan mix (Q2 2026): real estate $32.5M · commercial $9.6M · consumer $2.9M · securities $28.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Thayer County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.99% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 8.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 70.8% | 48th |
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 | Thayer 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 | Thayer 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 | Thayer 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 | Thayer 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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