Bank of England
England, AR · Cert 13303 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · MHBC Investments Partnership I LLLP
State charter, non-member · FDIC · 6 branches
Q2 2026
$332.3MAssets
$98.5MLoans
$254.1MDeposits
$65.0MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 95% of banks under $1B in assets operating in a single state (rank 37 of 746).
- Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets operating in a single state (rank 724 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.35%
Rank 656 of 746
Net Interest Margin
3.15%
Rank 568 of 746
Efficiency Ratio
93.40%
Rank 705 of 746
Equity / Assets
19.57%
Rank 37 of 746
Non-interest income vs. expense
Unfavorable gap of $9.1M · efficiency ratio beats 6% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.72% | 1.06% | 1.45% | Beats 12% | 656 / 746 | | |
| Return on Equity | 1.80% | 6.74% | 10.51% | 13.63% | Beats 8% | 688 / 746 | | |
| Net Interest Margin | 3.15% | 3.17% | 3.68% | 4.16% | Beats 24% | 568 / 746 | | |
| Efficiency Ratio | 93.40% | 55.74% | 64.58% | 75.47% | Beats 6% | 705 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.26% | 0.09% | 0.42% | 1.07% | Beats 3% | 724 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 72% | 209 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 24.59% | 11.55% | 13.75% | 17.60% | Beats 91% | 70 / 746 | | |
| Total Risk-Based Capital Ratio | 25.76% | 11.71% | 14.33% | 18.43% | Beats 91% | 68 / 746 | | |
| Equity / Assets | 19.57% | 8.90% | 10.51% | 13.06% | Beats 95% | 37 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 38.78% | 61.31% | 78.27% | 90.78% | 5th pctl | 711 / 746 | | |
| Loans / Assets | 29.64% | 53.60% | 66.97% | 76.08% | 3rd pctl | 723 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |