| Metric | The Lyndon State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +4.4% | +6.4 pts |
| Deposit growth (YoY) | +6.3% | +4.0% | +2.4 pts |
| Loan growth (YoY) | +12.3% | +5.6% | +6.7 pts |
| ROA | 1.77% | 1.24% | +0.5 pts |
| ROE | 19.5% | 11.9% | +7.7 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.1M | $85.1M | $97.1M | $10.3M | $979K | 1.77% | 4.91% | 0.24% |
| Q1 2026 | $111.4M | $82.6M | $93.4M | $10.1M | $515K | 1.91% | 4.91% | 0.28% |
| Q4 2025 | $104.7M | $77.2M | $87.7M | $9.7M | $1.1M | 1.03% | 4.69% | 0.39% |
| Q3 2025 | $104.0M | $78.6M | $85.6M | $9.4M | $809K | 1.05% | 4.62% | 0.56% |
| Q2 2025 | $104.0M | $80.0M | $86.5M | $9.1M | $453K | 0.88% | 4.55% | 0.51% |
| Q1 2025 | $101.3M | $81.1M | $83.1M | $8.9M | $268K | 1.05% | 4.45% | 0.17% |
| Q4 2024 | $102.3M | $78.1M | $81.3M | $8.5M | $518K | 0.53% | 4.18% | 0.45% |
| Q3 2024 | $97.8M | $75.2M | $78.4M | $8.6M | $365K | 0.50% | 4.19% | 0.25% |
Loan mix (Q2 2026): real estate $74.7M · commercial $5.8M · consumer $2.8M · securities $8.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Lyndon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 19.5% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 62.9% | 49th |
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 Lyndon 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 Lyndon 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 Lyndon 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 Lyndon 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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