| Metric | Woodsboro Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.4% | +1.0 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +6.8% | +5.6% | +1.2 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 15.9% | 11.9% | +4.0 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $483.3M | $445.9M | $339.6M | $34.2M | $2.6M | 1.11% | 4.23% | 0.07% |
| Q1 2026 | $469.6M | $433.3M | $327.1M | $32.7M | $1.3M | 1.16% | 4.20% | 0.07% |
| Q4 2025 | $455.6M | $417.9M | $325.1M | $31.9M | $4.4M | 0.97% | 4.08% | 0.07% |
| Q3 2025 | $458.4M | $425.6M | $321.2M | $29.8M | $3.2M | 0.95% | 4.02% | 0.00% |
| Q2 2025 | $458.5M | $424.9M | $318.0M | $27.5M | $2.0M | 0.90% | 3.98% | 0.07% |
| Q1 2025 | $443.4M | $413.6M | $313.8M | $26.1M | $1.1M | 0.98% | 3.98% | 0.00% |
| Q4 2024 | $438.5M | $411.2M | $308.3M | $24.1M | $3.7M | 0.85% | 3.66% | 0.00% |
| Q3 2024 | $459.5M | $429.9M | $299.2M | $25.2M | $2.4M | 0.73% | 3.56% | 0.02% |
Loan mix (Q2 2026): real estate $320.0M · commercial $22.6M · consumer $327K · securities $96.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Woodsboro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 62.9% | 49th |
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 | Woodsboro 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 | Woodsboro 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 | Woodsboro 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 | Woodsboro 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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