| Metric | Woodland Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.7 pts |
| Deposit growth (YoY) | +6.6% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.5 pts |
| ROA | 1.01% | 1.24% | -0.2 pts |
| ROE | 12.2% | 11.9% | +0.3 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $177.5M | $152.0M | $135.5M | $14.5M | $867K | 1.01% | 4.85% | 1.18% |
| Q1 2026 | $171.9M | $148.0M | $130.6M | $13.9M | $350K | 0.82% | 4.76% | 0.64% |
| Q4 2025 | $167.9M | $141.7M | $129.8M | $14.2M | $1.2M | 0.74% | 4.47% | 0.71% |
| Q3 2025 | $168.8M | $146.0M | $127.4M | $13.8M | $859K | 0.70% | 4.37% | 0.75% |
| Q2 2025 | $165.8M | $142.6M | $124.3M | $13.4M | $537K | 0.67% | 4.28% | 0.36% |
| Q1 2025 | $160.0M | $137.3M | $121.0M | $13.0M | $240K | 0.60% | 4.14% | 0.32% |
| Q4 2024 | $158.7M | $135.6M | $122.8M | $13.1M | $951K | 0.62% | 4.12% | 0.19% |
| Q3 2024 | $157.8M | $137.6M | $120.4M | $12.9M | $646K | 0.56% | 4.02% | 0.38% |
Loan mix (Q2 2026): real estate $107.5M · commercial $19.2M · consumer $7.1M · securities $17.7M
| Ratio | Woodland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 62.9% | 72th |
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 | Woodland 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 | Woodland 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 | Woodland 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 | Woodland 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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