| Metric | The Bank of Tescott | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.9% | -0.7 pts |
| Deposit growth (YoY) | +8.4% | +4.3% | +4.0 pts |
| Loan growth (YoY) | +5.6% | +5.3% | +0.3 pts |
| ROA | 1.75% | 1.28% | +0.5 pts |
| ROE | 17.0% | 12.4% | +4.5 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $648.3M | $574.3M | $483.0M | $67.1M | $5.6M | 1.75% | 3.78% | 0.06% |
| Q1 2026 | $642.3M | $568.9M | $462.1M | $66.6M | $2.9M | 1.83% | 3.75% | 0.14% |
| Q4 2025 | $639.4M | $566.9M | $471.2M | $65.7M | $8.1M | 1.42% | 3.40% | 0.10% |
| Q3 2025 | $595.4M | $523.1M | $455.5M | $65.0M | $6.0M | 1.44% | 3.34% | 0.20% |
| Q2 2025 | $622.4M | $530.0M | $457.3M | $61.4M | $3.7M | 1.36% | 3.15% | 0.16% |
| Q1 2025 | $506.6M | $438.6M | $370.1M | $61.4M | $1.8M | 1.44% | 3.27% | 0.12% |
| Q4 2024 | $491.9M | $425.8M | $367.4M | $59.5M | $6.2M | 1.32% | 3.23% | 0.12% |
| Q3 2024 | $484.9M | $403.3M | $363.6M | $61.7M | $4.6M | 1.32% | 3.21% | 0.15% |
Loan mix (Q2 2026): real estate $414.7M · commercial $11.8M · consumer $9.5M · securities $124.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Tescott | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.28% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 12.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 61.2% | 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 Tescott | 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 Tescott | 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 Tescott | 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 Tescott | 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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