| Metric | Wood & Huston Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.5% | -1.9 pts |
| Deposit growth (YoY) | +1.4% | +5.1% | -3.7 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.3 pts |
| ROA | 2.08% | 1.26% | +0.8 pts |
| ROE | 20.1% | 12.2% | +7.9 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.23B | $1.08B | $983.3M | $135.2M | $13.0M | 2.08% | 3.86% | 0.19% |
| Q1 2026 | $1.22B | $1.08B | $931.2M | $128.7M | $6.3M | 2.01% | 3.74% | 0.16% |
| Q4 2025 | $1.29B | $1.16B | $950.4M | $123.7M | $22.9M | 1.86% | 3.64% | 0.07% |
| Q3 2025 | $1.21B | $1.06B | $928.8M | $126.1M | $17.6M | 1.93% | 3.60% | 0.07% |
| Q2 2025 | $1.19B | $1.07B | $925.7M | $117.6M | $11.0M | 1.82% | 3.46% | 0.16% |
| Q1 2025 | $1.19B | $1.08B | $906.8M | $110.4M | $4.9M | 1.60% | 3.30% | 0.08% |
| Q4 2024 | $1.26B | $1.15B | $919.0M | $105.4M | $16.0M | 1.34% | 3.07% | 0.04% |
| Q3 2024 | $1.18B | $1.07B | $914.7M | $109.2M | $12.0M | 1.36% | 3.03% | 0.07% |
Loan mix (Q2 2026): real estate $764.4M · commercial $150.5M · consumer $22.4M · securities $141.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Wood & Huston Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.08% | 1.26% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 20.1% | 12.2% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.3% | 59.0% | 22th |
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 | Wood & Huston 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 | Wood & Huston 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 | Wood & Huston 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 | Wood & Huston Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.