| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.0 pts |
| Loan growth (YoY) | +14.3% | +5.6% | +8.8 pts |
| ROA | 0.77% | 1.24% | -0.5 pts |
| ROE | 8.2% | 11.9% | -3.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $100.0M | $88.0M | $74.5M | $9.3M | $380K | 0.77% | 5.25% | 0.43% |
| Q1 2026 | $100.3M | $88.5M | $69.0M | $9.3M | $99K | 0.40% | 5.03% | 0.38% |
| Q4 2025 | $97.3M | $85.8M | $67.8M | $9.3M | $881K | 0.92% | 5.20% | 0.46% |
| Q3 2025 | $97.6M | $86.1M | $66.6M | $9.3M | $734K | 1.02% | 5.17% | 0.41% |
| Q2 2025 | $97.8M | $86.3M | $65.2M | $9.4M | $488K | 1.02% | 5.15% | 0.37% |
| Q1 2025 | $95.1M | $83.9M | $64.0M | $9.2M | $254K | 1.08% | 5.05% | 0.76% |
| Q4 2024 | $92.7M | $81.7M | $61.1M | $9.0M | $807K | 0.90% | 4.97% | 0.82% |
| Q3 2024 | $89.8M | $78.8M | $60.8M | $8.8M | $581K | 0.87% | 4.93% | 0.92% |
Loan mix (Q2 2026): real estate $52.7M · commercial $3.8M · consumer $17.6M · securities $9.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 62.9% | 85th |
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.
3 branches in 1 county across 1 state (+0 vs 2024) · $86.3M branch deposits. Biggest market: Morgan, KY, ranked 2nd with 29.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Morgan, KY | 3 | $86.3M | 29.09% | 2nd |
Kentucky: 155th with 0.06% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3