| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +3.0% | +6.5 pts |
| Deposit growth (YoY) | +10.9% | +2.5% | +8.4 pts |
| Loan growth (YoY) | +10.2% | +2.6% | +7.6 pts |
| ROA | 0.62% | 0.99% | -0.4 pts |
| ROE | 4.8% | 8.1% | -3.3 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.7M | $68.1M | $61.6M | $10.2M | $238K | 0.62% | 2.71% | 1.08% |
| Q1 2026 | $77.0M | $66.8M | $61.5M | $9.8M | $30K | 0.16% | 2.57% | 0.81% |
| Q4 2025 | $75.5M | $65.5M | $60.0M | $9.9M | $244K | 0.33% | 2.54% | 0.59% |
| Q3 2025 | $75.3M | $65.3M | $58.7M | $9.8M | $144K | 0.26% | 2.42% | 0.65% |
| Q2 2025 | $71.9M | $61.4M | $56.0M | $9.7M | $57K | 0.16% | 2.39% | 0.83% |
| Q1 2025 | $71.6M | $61.8M | $52.5M | $9.6M | $62K | 0.35% | 2.32% | 0.73% |
| Q4 2024 | $71.1M | $61.4M | $49.2M | $9.5M | $261K | 0.35% | 1.94% | 0.44% |
| Q3 2024 | $73.8M | $62.0M | $49.5M | $9.5M | $244K | 0.43% | 1.87% | 0.72% |
Loan mix (Q2 2026): real estate $61.9M · commercial $0 · consumer $388K · securities $7.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.99% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 8.1% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 70.8% | 55th |
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.
1 branches in 1 county across 1 state (+0 vs 2024) · $61.4M branch deposits. Biggest market: Monroe, MS, ranked 3rd with 9.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, MS | 1 | $61.4M | 9.13% | 3rd |
Mississippi: 92nd with 0.08% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1