| Metric | Worthington Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +4.9% | +6.7 pts |
| Deposit growth (YoY) | +11.1% | +4.3% | +6.8 pts |
| Loan growth (YoY) | +3.3% | +5.3% | -2.0 pts |
| ROA | 1.16% | 1.28% | -0.1 pts |
| ROE | 12.2% | 12.4% | -0.2 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 | $655.4M | $589.4M | $491.1M | $62.8M | $3.7M | 1.16% | 4.28% | 0.12% |
| Q1 2026 | $651.2M | $587.3M | $487.4M | $60.8M | $1.9M | 1.20% | 4.24% | 0.25% |
| Q4 2025 | $611.4M | $550.0M | $484.2M | $58.9M | $7.3M | 1.20% | 4.24% | 0.06% |
| Q3 2025 | $610.1M | $550.6M | $479.0M | $56.4M | $4.9M | 1.07% | 4.13% | 0.08% |
| Q2 2025 | $587.3M | $530.3M | $475.3M | $54.2M | $2.9M | 0.96% | 3.97% | 0.00% |
| Q1 2025 | $636.8M | $581.1M | $458.5M | $52.3M | $1.2M | 0.78% | 3.66% | 0.00% |
| Q4 2024 | $612.8M | $558.6M | $449.4M | $50.9M | $3.3M | 0.55% | 3.37% | 0.00% |
| Q3 2024 | $595.0M | $540.4M | $438.3M | $49.6M | $2.1M | 0.47% | 3.27% | 0.01% |
Loan mix (Q2 2026): real estate $430.9M · commercial $57.3M · consumer $7.1M · securities $870K
| Ratio | Worthington Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.28% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 12.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 61.2% | 47th |
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 | Worthington 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 | Worthington 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 | Worthington 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 | Worthington 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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