| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.3 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.4 pts |
| Loan growth (YoY) | -0.5% | +5.6% | -6.0 pts |
| ROA | 2.14% | 1.24% | +0.9 pts |
| ROE | 9.3% | 11.9% | -2.6 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $110.6M | $85.3M | $65.8M | $25.0M | $1.1M | 2.14% | 4.67% | 0.00% |
| Q1 2026 | $103.4M | $78.5M | $69.8M | $24.6M | $570K | 2.16% | 4.72% | 0.00% |
| Q4 2025 | $107.7M | $83.2M | $67.3M | $24.4M | $2.3M | 2.15% | 4.59% | 0.00% |
| Q3 2025 | $104.6M | $79.6M | $69.2M | $24.7M | $1.8M | 2.22% | 4.57% | 0.00% |
| Q2 2025 | $108.4M | $84.0M | $66.1M | $24.1M | $1.2M | 2.15% | 4.46% | 0.00% |
| Q1 2025 | $110.4M | $86.6M | $67.6M | $23.6M | $588K | 2.14% | 4.38% | 0.00% |
| Q4 2024 | $109.4M | $86.3M | $65.6M | $22.9M | $2.3M | 2.11% | 4.39% | 0.00% |
| Q3 2024 | $109.5M | $85.7M | $66.1M | $23.5M | $1.7M | 2.10% | 4.35% | 0.00% |
Loan mix (Q2 2026): real estate $53.9M · commercial $12.0M · consumer $906K · securities $20.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Grain Valley | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 62.9% | 23th |
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 | The Bank of Grain Valley | 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 | The Bank of Grain Valley | 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 | The Bank of Grain Valley | 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 | The Bank of Grain Valley | 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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