| Metric | Town & Country Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.8 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 1.69% | 1.24% | +0.4 pts |
| ROE | 13.7% | 11.9% | +1.9 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $228.9M | $194.1M | $152.2M | $28.8M | $1.9M | 1.69% | 4.25% | 0.00% |
| Q1 2026 | $227.1M | $197.7M | $147.5M | $28.4M | $967K | 1.67% | 4.14% | 0.00% |
| Q4 2025 | $237.2M | $189.0M | $157.8M | $27.7M | $3.7M | 1.62% | 4.20% | 0.00% |
| Q3 2025 | $226.7M | $197.6M | $145.5M | $27.9M | $2.9M | 1.76% | 4.20% | 0.04% |
| Q2 2025 | $219.1M | $191.9M | $143.3M | $25.7M | $1.8M | 1.66% | 4.16% | 0.05% |
| Q1 2025 | $220.0M | $194.0M | $140.8M | $24.9M | $918K | 1.65% | 4.00% | 0.05% |
| Q4 2024 | $225.8M | $189.5M | $150.8M | $23.5M | $3.2M | 1.46% | 3.94% | 0.05% |
| Q3 2024 | $224.2M | $183.2M | $146.9M | $25.8M | $2.6M | 1.58% | 3.97% | 0.04% |
Loan mix (Q2 2026): real estate $62.5M · commercial $12.3M · consumer $3.4M · securities $62.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Town & Country Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 62.9% | 24th |
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 | Town & Country 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 | Town & Country 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 | Town & Country 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 | Town & Country 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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