| Metric | Bank47 | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +39.9% | +3.0% | +37.0 pts |
| Deposit growth (YoY) | +45.0% | +2.5% | +42.5 pts |
| Loan growth (YoY) | +67.5% | +2.6% | +65.0 pts |
| ROA | -4.32% | 0.99% | -5.3 pts |
| ROE | -47.1% | 8.1% | -55.2 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97.0M | $87.7M | $63.6M | $8.3M | $-1.9M | -4.32% | 3.00% | 0.12% |
| Q1 2026 | $88.0M | $78.7M | $50.1M | $8.4M | $-1.2M | -5.52% | 2.92% | 0.48% |
| Q4 2025 | $83.4M | $74.5M | $41.1M | $7.9M | $-4.2M | -5.56% | 3.47% | 0.07% |
| Q3 2025 | $79.7M | $69.9M | $37.2M | $8.8M | $-3.0M | -5.38% | 3.54% | 0.55% |
| Q2 2025 | $69.3M | $60.5M | $37.9M | $7.9M | $-1.7M | -4.83% | 3.68% | 0.72% |
| Q1 2025 | $71.3M | $61.8M | $29.7M | $8.7M | $-774K | -4.27% | 3.48% | 0.67% |
| Q4 2024 | $73.7M | $64.2M | $26.5M | $9.0M | $-2.1M | -3.35% | 3.91% | 0.65% |
| Q3 2024 | $70.1M | $59.3M | $25.7M | $10.5M | $-1.3M | -2.95% | 3.95% | 0.64% |
Loan mix (Q2 2026): real estate $42.2M · commercial $13.9M · consumer $8.5M · securities $19.2M
| Ratio | Bank47 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.32% | 0.99% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -47.1% | 8.1% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 224.2% | 70.8% | 98th |
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 | Bank47 | 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 | Bank47 | 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 | Bank47 | 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 | Bank47 | 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 | Bank47 | 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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $87.7M branch deposits. Biggest market: Bullock, AL, ranked 2nd with 37.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bullock, AL | 1 | $52.8M | 37.56% | 2nd |
| Madison, AL | 1 | $34.9M | 0.23% | 36th |
Alabama: 155th with 0.05% · Huntsville metro: 38th, 0.20% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2
Technology spend up 30% in 2025. 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).