| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.4% | -5.6 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.6 pts |
| Loan growth (YoY) | -2.3% | +5.6% | -7.9 pts |
| ROA | 0.61% | 1.24% | -0.6 pts |
| ROE | 6.8% | 11.9% | -5.1 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.6M | $134.3M | $115.7M | $13.6M | $451K | 0.61% | 4.29% | 0.00% |
| Q1 2026 | $153.1M | $135.1M | $115.9M | $13.3M | $232K | 0.63% | 4.19% | 0.00% |
| Q4 2025 | $141.8M | $126.0M | $115.0M | $13.2M | $821K | 0.55% | 4.21% | 0.00% |
| Q3 2025 | $148.0M | $132.1M | $116.6M | $13.0M | $619K | 0.55% | 4.13% | 0.00% |
| Q2 2025 | $153.4M | $133.9M | $118.4M | $12.6M | $369K | 0.49% | 3.98% | 0.00% |
| Q1 2025 | $152.7M | $132.1M | $116.7M | $12.3M | $136K | 0.37% | 3.85% | 0.00% |
| Q4 2024 | $144.9M | $123.4M | $118.5M | $12.4M | $789K | 0.50% | 3.24% | 0.00% |
| Q3 2024 | $166.4M | $135.4M | $118.2M | $13.5M | $2.4M | 1.97% | 3.09% | 0.00% |
Loan mix (Q2 2026): real estate $115.1M · commercial $25K · consumer $1.4M · securities $13.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 11.9% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 62.9% | 87th |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025) · $134.3M branch deposits. Biggest market: Colleton, SC, ranked 3rd with 18.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Colleton, SC | 2 | $134.3M | 18.41% | 3rd |
South Carolina: 85th with 0.08% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Spends 1.6× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).