| Metric | Bank of Brewton | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.0% | +1.5 pts |
| Deposit growth (YoY) | +3.7% | +2.5% | +1.2 pts |
| Loan growth (YoY) | -18.1% | +2.6% | -20.7 pts |
| ROA | 1.14% | 0.99% | +0.1 pts |
| ROE | 6.1% | 8.1% | -1.9 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.6M | $40.3M | $14.9M | $9.3M | $279K | 1.14% | 4.21% | 0.00% |
| Q1 2026 | $50.7M | $41.6M | $13.9M | $9.0M | $121K | 0.99% | 4.30% | 0.00% |
| Q4 2025 | $46.9M | $37.7M | $18.0M | $9.1M | $215K | 0.46% | 4.28% | 0.00% |
| Q3 2025 | $48.1M | $39.1M | $16.8M | $8.8M | $136K | 0.39% | 4.22% | 0.00% |
| Q2 2025 | $47.5M | $38.9M | $18.3M | $8.5M | $20K | 0.09% | 4.17% | 0.00% |
| Q1 2025 | $46.6M | $38.2M | $17.2M | $8.3M | $49K | 0.43% | 4.13% | 0.35% |
| Q4 2024 | $44.2M | $36.1M | $17.4M | $8.0M | $-680K | -1.46% | 4.40% | 0.33% |
| Q3 2024 | $45.5M | $36.4M | $18.2M | $9.1M | $29K | 0.08% | 4.40% | 1.73% |
Loan mix (Q2 2026): real estate $5.0M · commercial $6.4M · consumer $1.6M · securities $29.6M
| Ratio | Bank of Brewton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.99% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 8.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 70.8% | 59th |
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 Brewton | 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 Brewton | 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 Brewton | 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 Brewton | 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 Brewton | 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).
2 branches in 1 county across 1 state (+0 vs 2025) · $40.3M branch deposits. Biggest market: Escambia, AL, ranked 9th with 3.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Escambia, AL | 2 | $40.3M | 3.01% | 9th |
Alabama: 179th with 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2