| Metric | Brannen Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.5% | -1.4 pts |
| Deposit growth (YoY) | +3.4% | +5.1% | -1.7 pts |
| Loan growth (YoY) | +7.5% | +5.9% | +1.5 pts |
| ROA | 1.97% | 1.26% | +0.7 pts |
| ROE | 57.3% | 12.2% | +45.1 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.03B | $991.9M | $532.7M | $37.0M | $10.2M | 1.97% | 3.53% | 0.27% |
| Q1 2026 | $1.02B | $983.1M | $520.5M | $37.2M | $5.0M | 1.92% | 3.46% | 0.29% |
| Q4 2025 | $1.07B | $1.04B | $515.0M | $33.1M | $20.0M | 2.02% | 3.64% | 0.27% |
| Q3 2025 | $970.8M | $932.8M | $500.9M | $36.1M | $14.6M | 2.01% | 3.63% | 0.23% |
| Q2 2025 | $990.9M | $959.6M | $495.8M | $29.7M | $9.7M | 2.00% | 3.61% | 0.21% |
| Q1 2025 | $960.5M | $930.4M | $484.0M | $28.7M | $4.7M | 1.97% | 3.60% | 0.17% |
| Q4 2024 | $956.7M | $933.3M | $465.4M | $21.9M | $18.5M | 2.02% | 3.61% | 0.19% |
| Q3 2024 | $903.9M | $869.4M | $453.9M | $32.7M | $14.0M | 2.05% | 3.62% | 0.45% |
Loan mix (Q2 2026): real estate $526.0M · commercial $5.9M · consumer $5.8M · securities $245.9M
| Ratio | Brannen Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 1.26% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 57.3% | 12.2% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.3% | 59.0% | 17th |
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 | Brannen Bank | 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 | Brannen Bank | 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 | Brannen Bank | 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 | Brannen Bank | 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 | Brannen Bank | 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.
12 branches in 3 counties across 1 state (+0 vs 2024) · $959.6M branch deposits. Biggest market: Citrus, FL, ranked 2nd with 19.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Citrus, FL | 9 | $669.2M | 19.73% | 2nd |
| Marion, FL | 1 | $150.6M | 1.59% | 16th |
| Hernando, FL | 2 | $139.8M | 3.49% | 8th |
Florida: 89th with 0.10% · Homosassa Springs metro: 2nd, 19.73% · Ocala metro: 16th, 1.59% ·
Branch count: 2022 12 · 2023 12 · 2024 12 · 2025 12