| Metric | Woodford State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.9% | +3.8 pts |
| Deposit growth (YoY) | +7.7% | +4.3% | +3.4 pts |
| Loan growth (YoY) | +15.5% | +5.3% | +10.2 pts |
| ROA | 1.47% | 1.28% | +0.2 pts |
| ROE | 22.9% | 12.4% | +10.5 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $523.4M | $406.1M | $392.5M | $33.1M | $3.8M | 1.47% | 3.92% | 0.27% |
| Q1 2026 | $509.6M | $393.8M | $377.2M | $32.8M | $2.0M | 1.55% | 3.89% | 0.12% |
| Q4 2025 | $509.0M | $390.4M | $380.0M | $33.2M | $6.8M | 1.41% | 3.77% | 0.11% |
| Q3 2025 | $490.9M | $381.1M | $360.6M | $27.3M | $4.8M | 1.34% | 3.70% | 0.18% |
| Q2 2025 | $481.4M | $377.1M | $339.7M | $25.0M | $3.1M | 1.32% | 3.62% | 0.15% |
| Q1 2025 | $470.2M | $366.9M | $330.8M | $21.9M | $1.5M | 1.26% | 3.54% | 0.22% |
| Q4 2024 | $452.7M | $362.5M | $329.2M | $20.0M | $1.0M | 0.23% | 3.20% | 0.25% |
| Q3 2024 | $452.3M | $344.9M | $323.6M | $23.4M | $531K | 0.16% | 3.09% | 0.43% |
Loan mix (Q2 2026): real estate $322.5M · commercial $47.8M · consumer $3.0M · securities $96.7M
| Ratio | Woodford State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.28% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 22.9% | 12.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 61.2% | 41th |
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 | Woodford 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 | Woodford 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 | Woodford 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 | Woodford 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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