| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.2 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.8 pts |
| Loan growth (YoY) | -5.3% | +5.6% | -10.9 pts |
| ROA | 0.70% | 1.24% | -0.5 pts |
| ROE | 11.9% | 11.9% | +0.0 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $112.8M | $104.4M | $47.0M | $6.6M | $398K | 0.70% | 3.28% | 0.93% |
| Q1 2026 | $112.6M | $104.1M | $47.8M | $6.7M | $162K | 0.57% | 3.22% | 1.00% |
| Q4 2025 | $116.0M | $107.4M | $49.2M | $6.8M | $744K | 0.68% | 3.19% | 1.01% |
| Q3 2025 | $107.0M | $98.7M | $50.1M | $6.5M | $595K | 0.73% | 3.23% | 1.43% |
| Q2 2025 | $105.9M | $98.7M | $49.6M | $5.3M | $478K | 0.87% | 3.29% | 1.10% |
| Q1 2025 | $110.8M | $103.6M | $51.7M | $5.4M | $188K | 0.68% | 3.16% | 1.22% |
| Q4 2024 | $111.5M | $104.8M | $52.4M | $4.9M | $682K | 0.61% | 2.98% | 0.75% |
| Q3 2024 | $107.6M | $99.8M | $51.8M | $5.9M | $544K | 0.65% | 3.09% | 0.65% |
Loan mix (Q2 2026): real estate $33.3M · commercial $2.9M · consumer $4.7M · securities $48.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.1% | 62.9% | 78th |
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.
5 branches in 2 counties across 1 state (+0 vs 2024) · $98.7M branch deposits. Biggest market: Sumner, KS, ranked 5th with 9.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sumner, KS | 2 | $58.8M | 9.71% | 5th |
| Harper, KS | 3 | $39.9M | 16.28% | 3rd |
Kansas: 169th with 0.09% · Wichita metro: 47th, 0.22% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5