| Metric | Bank3 | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +14.1% | +4.0% | +10.1 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 0.42% | 1.24% | -0.8 pts |
| ROE | 4.0% | 11.9% | -7.9 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $491.8M | $433.8M | $409.3M | $51.8M | $1.0M | 0.42% | 3.13% | 0.04% |
| Q1 2026 | $491.1M | $426.8M | $409.8M | $51.4M | $455K | 0.37% | 3.06% | 0.09% |
| Q4 2025 | $494.9M | $417.2M | $411.7M | $51.2M | $1.0M | 0.22% | 2.97% | 0.12% |
| Q3 2025 | $483.3M | $412.2M | $406.2M | $50.8M | $734K | 0.21% | 2.91% | 0.19% |
| Q2 2025 | $458.3M | $380.3M | $394.4M | $50.3M | $425K | 0.19% | 2.88% | 0.01% |
| Q1 2025 | $451.0M | $377.5M | $374.3M | $50.9M | $161K | 0.15% | 2.81% | 0.01% |
| Q4 2024 | $435.1M | $363.4M | $365.1M | $50.2M | $693K | 0.16% | 2.40% | 0.02% |
| Q3 2024 | $443.1M | $373.4M | $365.9M | $50.3M | $433K | 0.13% | 2.34% | 0.10% |
Loan mix (Q2 2026): real estate $275.1M · commercial $136.2M · consumer $2.2M · securities $24.7M
| Ratio | Bank3 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 62.9% | 89th |
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 | Bank3 | 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 | Bank3 | 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 | Bank3 | 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 | Bank3 | 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 | Bank3 | 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.
6 branches in 4 counties across 2 states (+0 vs 2024) · $380.3M branch deposits. Biggest market: Shelby, TN, ranked 20th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 2 | $266.7M | 0.77% | 20th |
| Obion, TN | 2 | $91.0M | 11.76% | 5th |
| DeSoto, MS | 1 | $20.6M | 0.62% | 19th |
| 1 more county with Pro → | ||||
Tennessee: 97th with 0.14% · Mississippi: 116th with 0.03% · Memphis metro: 31st, 0.67% · Jackson metro: 25th, 0.05% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6