| Metric | Yoakum Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.8 pts |
| Loan growth (YoY) | -3.1% | +5.6% | -8.6 pts |
| ROA | 1.31% | 1.24% | +0.1 pts |
| ROE | 15.6% | 11.9% | +3.7 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $385.8M | $350.4M | $222.1M | $33.5M | $2.5M | 1.31% | 4.53% | 0.11% |
| Q1 2026 | $382.0M | $348.1M | $224.6M | $32.1M | $1.2M | 1.27% | 4.48% | 0.04% |
| Q4 2025 | $384.3M | $350.0M | $220.2M | $31.5M | $705K | 0.20% | 4.27% | 0.64% |
| Q3 2025 | $374.1M | $338.5M | $222.5M | $33.5M | $3.0M | 1.14% | 4.22% | 0.69% |
| Q2 2025 | $367.4M | $334.4M | $229.1M | $31.0M | $1.9M | 1.13% | 4.05% | 0.73% |
| Q1 2025 | $332.3M | $286.3M | $214.3M | $25.7M | $931K | 1.12% | 3.94% | 0.06% |
| Q4 2024 | $330.6M | $283.3M | $210.0M | $24.5M | $2.8M | 0.88% | 3.65% | 0.02% |
| Q3 2024 | $327.2M | $268.3M | $202.7M | $26.5M | $2.0M | 0.82% | 3.52% | 0.00% |
Loan mix (Q2 2026): real estate $172.9M · commercial $35.5M · consumer $3.4M · securities $95.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Yoakum Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.9% | 62.9% | 64th |
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 | Yoakum 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 | Yoakum 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 | Yoakum 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 | Yoakum 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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