| Metric | The Hicksville Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +1.4% | +5.6% | -4.2 pts |
| ROA | 0.59% | 1.24% | -0.6 pts |
| ROE | 7.2% | 11.9% | -4.7 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $220.6M | $198.3M | $133.8M | $18.0M | $651K | 0.59% | 3.41% | 0.00% |
| Q1 2026 | $226.7M | $203.9M | $135.8M | $18.4M | $309K | 0.56% | 3.35% | 0.00% |
| Q4 2025 | $217.1M | $194.7M | $136.0M | $18.1M | $1.5M | 0.70% | 3.38% | 0.00% |
| Q3 2025 | $216.8M | $195.1M | $135.4M | $17.4M | $962K | 0.60% | 3.29% | 0.36% |
| Q2 2025 | $212.0M | $191.9M | $132.0M | $16.0M | $598K | 0.56% | 3.24% | 0.36% |
| Q1 2025 | $215.2M | $195.2M | $130.1M | $16.0M | $262K | 0.49% | 3.13% | 0.36% |
| Q4 2024 | $210.3M | $191.6M | $132.6M | $14.7M | $751K | 0.38% | 2.96% | 0.00% |
| Q3 2024 | $207.1M | $187.3M | $126.1M | $15.6M | $461K | 0.32% | 2.94% | 0.00% |
Loan mix (Q2 2026): real estate $119.9M · commercial $8.4M · consumer $781K · securities $52.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Hicksville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 62.9% | 81th |
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 Hicksville 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 Hicksville 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 Hicksville 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 Hicksville 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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