| Metric | Bank of Bearden | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +3.0% | +5.9 pts |
| Deposit growth (YoY) | +9.5% | +2.5% | +7.0 pts |
| Loan growth (YoY) | +2.6% | +2.6% | +0.0 pts |
| ROA | 2.01% | 0.99% | +1.0 pts |
| ROE | 19.3% | 8.1% | +11.2 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $67.4M | $60.8M | $30.7M | $6.6M | $636K | 2.01% | 4.32% | 0.00% |
| Q1 2026 | $62.4M | $55.7M | $30.0M | $6.7M | $311K | 2.04% | 4.23% | 0.00% |
| Q4 2025 | $59.6M | $52.6M | $30.4M | $6.6M | $1.1M | 1.80% | 4.38% | 0.00% |
| Q3 2025 | $54.9M | $48.0M | $30.0M | $6.8M | $871K | 2.00% | 4.48% | 0.00% |
| Q2 2025 | $61.9M | $55.5M | $29.9M | $6.3M | $604K | 2.05% | 4.40% | 0.00% |
| Q1 2025 | $59.1M | $52.8M | $29.9M | $6.2M | $283K | 1.97% | 4.33% | 0.37% |
| Q4 2024 | $56.1M | $49.6M | $29.2M | $5.8M | $1.4M | 2.17% | 4.51% | 0.00% |
| Q3 2024 | $60.6M | $53.8M | $27.9M | $6.7M | $1.1M | 2.35% | 4.51% | 0.00% |
Loan mix (Q2 2026): real estate $22.8M · commercial $4.6M · consumer $2.7M · securities $22.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Bearden | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 0.99% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 8.1% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 70.8% | 10th |
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 | Bank of Bearden | 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 | Bank of Bearden | 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 | Bank of Bearden | 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 | Bank of Bearden | 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 | Bank of Bearden | 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.
Spends 1.5× 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).
1 branches in 1 county across 1 state (+0 vs 2025) · $60.8M branch deposits. Biggest market: Ouachita, AR, ranked 4th with 12.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ouachita, AR | 1 | $60.8M | 12.54% | 4th |
Arkansas: 118th with 0.05% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1