| Metric | The Bank of Landisburg | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.4 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.7 pts |
| ROA | 1.72% | 1.24% | +0.5 pts |
| ROE | 10.7% | 11.9% | -1.2 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $417.1M | $347.7M | $272.4M | $67.9M | $3.6M | 1.72% | 3.91% | 1.06% |
| Q1 2026 | $418.5M | $349.0M | $270.0M | $67.8M | $1.7M | 1.64% | 3.81% | 1.16% |
| Q4 2025 | $417.6M | $349.5M | $270.0M | $66.5M | $5.5M | 1.35% | 3.66% | 0.86% |
| Q3 2025 | $416.4M | $348.3M | $272.1M | $66.6M | $4.3M | 1.42% | 3.60% | 0.57% |
| Q2 2025 | $403.7M | $339.2M | $267.5M | $63.2M | $2.7M | 1.37% | 3.51% | 0.53% |
| Q1 2025 | $400.1M | $335.9M | $262.2M | $62.8M | $1.4M | 1.39% | 3.37% | 0.60% |
| Q4 2024 | $399.4M | $337.7M | $262.6M | $60.3M | $4.4M | 1.12% | 3.16% | 0.48% |
| Q3 2024 | $402.0M | $339.1M | $260.0M | $61.6M | $3.2M | 1.09% | 3.09% | 0.51% |
Loan mix (Q2 2026): real estate $253.7M · commercial $9.7M · consumer $6.0M · securities $110.1M
| Ratio | The Bank of Landisburg | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.1% | 62.9% | 10th |
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 Landisburg | 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 Landisburg | 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 Landisburg | 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 Landisburg | 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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