| Metric | The Twin Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +4.4% | -5.1 pts |
| Deposit growth (YoY) | -1.8% | +4.0% | -5.7 pts |
| Loan growth (YoY) | +0.3% | +5.6% | -5.3 pts |
| ROA | 1.08% | 1.24% | -0.2 pts |
| ROE | 15.0% | 11.9% | +3.1 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.6M | $126.5M | $91.8M | $10.4M | $760K | 1.08% | 4.04% | 0.22% |
| Q1 2026 | $139.3M | $128.5M | $93.3M | $10.1M | $196K | 0.55% | 3.84% | 0.20% |
| Q4 2025 | $145.6M | $135.0M | $93.5M | $9.9M | $1.2M | 0.84% | 4.13% | 0.06% |
| Q3 2025 | $142.4M | $128.7M | $93.5M | $9.5M | $805K | 0.78% | 4.09% | 0.04% |
| Q2 2025 | $138.6M | $128.8M | $91.5M | $8.5M | $507K | 0.75% | 4.06% | 0.09% |
| Q1 2025 | $134.3M | $125.4M | $88.0M | $8.4M | $222K | 0.66% | 3.91% | 0.06% |
| Q4 2024 | $132.9M | $124.3M | $84.6M | $8.0M | $1.1M | 0.87% | 3.93% | 0.03% |
| Q3 2024 | $134.2M | $125.2M | $83.0M | $8.4M | $779K | 0.81% | 3.78% | 0.07% |
Loan mix (Q2 2026): real estate $77.1M · commercial $9.5M · consumer $1.7M · securities $28.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Twin Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 62.9% | 71th |
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 Twin 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 Twin 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 Twin 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 Twin 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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