West Jefferson, NC · Cert 31217 · Asheco MHC Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
74
Asset Quality
27
Profitability
48
Liquidity
92
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
West Jefferson, NC · Cert 31217 · Asheco MHC Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.77% | 0.77% | 0.99% | 1.14% | 1.13% | 1.07% | 1.14% | +15 bps | |
| Return on Equity | 6.56% | 7.20% | 7.46% | 9.65% | 11.00% | 10.83% | 9.95% | 10.42% | +77 bps | |
| Net Interest Margin | 2.91% | 2.88% | 3.15% | 3.27% | 3.34% | 3.26% | 3.41% | 3.50% | +23 bps | |
| Efficiency Ratio | 75.22% | 73.94% | 71.70% | 67.53% | 66.11% | 65.49% | 64.03% | 60.96% | -657 bps | |
| Non-Interest Burden | 2.07% | 2.01% | 2.14% | 2.04% | 2.04% | 1.97% | 2.05% | 1.98% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.80% | 10.39% | 9.79% | 5.95% | 9.01% | 6.64% | 4.78% | 3.65% | -231 bps | |
| Loan Growth (YoY) | 3.40% | 7.20% | 10.22% | 9.17% | 6.41% | 6.75% | 4.77% | 8.88% | -29 bps | |
| Deposit Growth (YoY) | 8.93% | 11.26% | 10.68% | 6.37% | 9.50% | 6.11% | 3.83% | 2.26% | -411 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.26% | 1.06% | 1.20% | 1.15% | 0.77% | 1.26% | 1.20% | 1.11% | -3 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.04% | -0.05% | -0.06% | -0.12% | -0.08% | -0.02% | -0.02% | +3 bps | |
| Allowance / Loans | 1.48% | 1.43% | 1.46% | 1.48% | 1.43% | 1.43% | 1.39% | 1.39% | -9 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 1.2x | 1.3x | 1.9x | 1.1x | 1.2x | 1.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.35% | 11.20% | 11.05% | 11.30% | 11.46% | 11.35% | 11.46% | 11.92% | +61 bps | |
| Total Risk-Based Capital | 18.50% | 18.51% | 18.41% | 19.06% | 19.67% | 19.91% | 20.22% | 19.90% | +85 bps | |
| Equity / Assets | 10.95% | 10.38% | 10.16% | 10.38% | 10.64% | 10.75% | 10.75% | 11.37% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.87% | 69.41% | 69.17% | 70.99% | 69.85% | 69.83% | 69.80% | 75.59% | +460 bps | |
| Liquid Assets / Assets | 7.77% | 9.48% | 9.91% | 8.89% | 10.53% | 10.80% | 10.53% | 4.88% | -401 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 178.42% | 175.30% | 173.20% | n/a | n/a | |
West Jefferson, NC · Cert 31217 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Asheco MHC Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
1.15%
Rank 324 of 746
Net Interest Margin
3.50%
Rank 448 of 746
Efficiency Ratio
60.96%
Rank 296 of 746
Equity / Assets
11.37%
Rank 291 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.72% | 1.06% | 1.45% | Beats 57% | 324 / 746 | ||
| Return on Equity | 10.16% | 6.74% | 10.51% | 13.63% | Beats 47% | 392 / 746 | ||
| Net Interest Margin | 3.50% | 3.17% | 3.68% | 4.16% | Beats 40% | 448 / 746 | ||
| Efficiency Ratio | 60.96% | 55.74% | 64.58% | 75.47% | Beats 60% | 296 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.11% | 0.09% | 0.42% | 1.07% | Beats 24% | 568 / 743 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 29% | 530 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.65% | 11.55% | 13.75% | 17.60% | Beats 80% | 152 / 746 | ||
| Total Risk-Based Capital Ratio | 19.90% | 11.71% | 14.33% | 18.43% | Beats 81% | 145 / 746 | ||
| Equity / Assets | 11.37% | 8.90% | 10.51% | 13.06% | Beats 61% | 291 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.59% | 61.31% | 78.27% | 90.78% | 45th pctl | 412 / 746 | ||
| Loans / Assets | 66.10% | 53.60% | 66.97% | 76.08% | 48th pctl | 389 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||