| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.9% | +0.9 pts |
| Deposit growth (YoY) | +6.1% | +4.3% | +1.8 pts |
| Loan growth (YoY) | +14.3% | +5.3% | +9.0 pts |
| ROA | 1.16% | 1.28% | -0.1 pts |
| ROE | 17.8% | 12.4% | +5.3 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $917.9M | $805.8M | $628.6M | $61.5M | $5.2M | 1.16% | 3.47% | 0.03% |
| Q1 2026 | $900.9M | $788.7M | $602.8M | $59.1M | $2.8M | 1.24% | 3.47% | 0.03% |
| Q4 2025 | $895.5M | $781.9M | $594.3M | $56.4M | $8.0M | 0.92% | 3.12% | 0.07% |
| Q3 2025 | $879.6M | $775.7M | $570.9M | $54.0M | $6.0M | 0.93% | 3.07% | 0.06% |
| Q2 2025 | $867.4M | $759.4M | $549.7M | $51.4M | $4.0M | 0.93% | 3.00% | 0.06% |
| Q1 2025 | $853.2M | $748.8M | $532.7M | $49.2M | $2.1M | 0.96% | 2.93% | 0.07% |
| Q4 2024 | $848.4M | $748.0M | $527.7M | $46.5M | $6.3M | 0.73% | 2.86% | 0.07% |
| Q3 2024 | $857.1M | $753.0M | $532.1M | $45.6M | $4.8M | 0.74% | 2.84% | 0.08% |
Loan mix (Q2 2026): real estate $534.3M · commercial $68.9M · consumer $2.9M · securities $224.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Juniata Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.28% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 17.8% | 12.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 61.2% | 48th |
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 Juniata 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 Juniata 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 Juniata 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 Juniata 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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