| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.1 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 13.2% | 11.9% | +1.3 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $354.0M | $312.0M | $204.8M | $38.5M | $2.5M | 1.37% | 3.80% | 0.40% |
| Q1 2026 | $366.9M | $325.9M | $202.0M | $37.2M | $1.2M | 1.30% | 3.67% | 0.14% |
| Q4 2025 | $356.2M | $315.9M | $203.0M | $36.3M | $4.1M | 1.19% | 3.62% | 0.19% |
| Q3 2025 | $346.3M | $305.4M | $200.2M | $36.7M | $2.9M | 1.14% | 3.57% | 0.20% |
| Q2 2025 | $345.8M | $307.4M | $199.8M | $34.6M | $1.8M | 1.06% | 3.46% | 0.09% |
| Q1 2025 | $346.4M | $309.3M | $203.4M | $33.2M | $866K | 1.02% | 3.35% | 0.09% |
| Q4 2024 | $329.5M | $292.4M | $199.7M | $32.8M | $3.0M | 0.89% | 3.08% | 0.13% |
| Q3 2024 | $334.4M | $295.2M | $202.3M | $32.9M | $2.1M | 0.86% | 2.99% | 0.15% |
Loan mix (Q2 2026): real estate $173.3M · commercial $28.2M · consumer $3.1M · securities $96.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Hocking Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
41th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 62.9% | 29th |
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 Hocking Valley 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 Hocking Valley 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 Hocking Valley 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 Hocking Valley 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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