| Metric | Bank of Halls | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.7 pts |
| Loan growth (YoY) | +14.7% | +5.6% | +9.1 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 13.4% | 11.9% | +1.5 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $134.6M | $123.2M | $62.9M | $10.4M | $698K | 1.02% | 3.32% | 0.07% |
| Q1 2026 | $134.9M | $123.4M | $59.1M | $10.6M | $332K | 0.97% | 3.24% | 0.14% |
| Q4 2025 | $139.5M | $128.0M | $56.3M | $10.4M | $1.3M | 0.98% | 3.33% | 0.11% |
| Q3 2025 | $129.1M | $117.5M | $54.2M | $10.4M | $982K | 0.97% | 3.36% | 0.12% |
| Q2 2025 | $132.8M | $121.7M | $54.8M | $10.0M | $718K | 1.05% | 3.40% | 1.18% |
| Q1 2025 | $140.9M | $130.2M | $50.2M | $9.6M | $245K | 0.71% | 3.01% | 0.36% |
| Q4 2024 | $135.9M | $125.7M | $51.3M | $9.1M | $1.4M | 1.00% | 3.19% | 0.20% |
| Q3 2024 | $128.7M | $117.9M | $51.7M | $9.7M | $1.0M | 1.00% | 3.23% | 0.18% |
Loan mix (Q2 2026): real estate $48.5M · commercial $10.3M · consumer $2.6M · securities $42.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Halls | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 62.9% | 28th |
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 Halls | 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 Halls | 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 Halls | 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 Halls | 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 Halls | 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 1.7× 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) · $123.2M branch deposits. Biggest market: Lauderdale, TN, ranked 2nd with 22.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lauderdale, TN | 2 | $123.2M | 22.73% | 2nd |
Tennessee: 175th with 0.04% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2