| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +7.0% | +4.0% | +3.1 pts |
| Loan growth (YoY) | +7.6% | +5.6% | +2.1 pts |
| ROA | 2.89% | 1.24% | +1.7 pts |
| ROE | 16.6% | 11.9% | +4.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.8M | $114.4M | $86.2M | $24.3M | $2.0M | 2.89% | 4.44% | 0.01% |
| Q1 2026 | $138.2M | $114.2M | $83.7M | $23.9M | $981K | 2.88% | 4.41% | 0.00% |
| Q4 2025 | $134.6M | $110.7M | $82.1M | $23.7M | $3.8M | 2.92% | 4.63% | 0.06% |
| Q3 2025 | $132.3M | $109.4M | $81.8M | $22.8M | $2.8M | 2.93% | 4.49% | 0.31% |
| Q2 2025 | $129.0M | $106.8M | $80.1M | $22.0M | $1.8M | 2.89% | 4.52% | 0.33% |
| Q1 2025 | $127.4M | $105.8M | $79.6M | $21.4M | $869K | 2.78% | 4.43% | 0.35% |
| Q4 2024 | $122.6M | $101.3M | $79.2M | $21.2M | $3.2M | 2.68% | 4.48% | 0.37% |
| Q3 2024 | $122.3M | $101.5M | $77.0M | $20.5M | $2.5M | 2.82% | 4.45% | 0.38% |
Loan mix (Q2 2026): real estate $28.9M · commercial $53.6M · consumer $1.6M · securities $35.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Buckholts State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.89% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.1% | 62.9% | 2th |
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 Buckholts State 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 | The Buckholts State 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 | The Buckholts State 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 | The Buckholts State 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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