| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +6.1% | +4.0% | +2.1 pts |
| Loan growth (YoY) | +11.3% | +5.6% | +5.7 pts |
| ROA | 0.95% | 1.24% | -0.3 pts |
| ROE | 8.7% | 11.9% | -3.2 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $399.8M | $338.4M | $180.6M | $44.7M | $1.9M | 0.95% | 3.19% | 0.32% |
| Q1 2026 | $402.1M | $336.3M | $174.5M | $43.5M | $784K | 0.79% | 3.02% | 0.12% |
| Q4 2025 | $392.2M | $324.7M | $172.8M | $42.9M | $3.7M | 0.98% | 2.94% | 0.11% |
| Q3 2025 | $393.5M | $329.4M | $167.9M | $41.4M | $2.4M | 0.86% | 2.87% | 0.41% |
| Q2 2025 | $380.3M | $319.0M | $162.3M | $40.3M | $1.6M | 0.86% | 2.80% | 0.12% |
| Q1 2025 | $375.5M | $315.3M | $155.7M | $39.4M | $857K | 0.92% | 2.64% | 0.11% |
| Q4 2024 | $366.6M | $306.0M | $152.0M | $38.2M | $3.0M | 0.84% | 2.66% | 0.13% |
| Q3 2024 | $371.1M | $308.5M | $147.4M | $37.9M | $1.9M | 0.71% | 2.64% | 0.23% |
Loan mix (Q2 2026): real estate $134.3M · commercial $23.7M · consumer $9.7M · securities $168.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.24% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 62.9% | 60th |
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.
6 branches in 4 counties across 1 state (+0 vs 2025) · $338.4M branch deposits. Biggest market: Park, WY, ranked 3rd with 8.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Park, WY | 2 | $111.7M | 8.09% | 3rd |
| Big Horn, WY | 2 | $107.8M | 21.39% | 2nd |
| Washakie, WY | 1 | $61.9M | 16.31% | 4th |
| 1 more county with Pro → | ||||
Wyoming: 25th with 1.29% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6
Technology spend in line with peers (27 bps of assets, 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).