| Metric | Bryant Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +5.5% | +3.2 pts |
| Deposit growth (YoY) | +8.9% | +5.1% | +3.9 pts |
| Loan growth (YoY) | -2.8% | +5.9% | -8.8 pts |
| ROA | 1.59% | 1.26% | +0.3 pts |
| ROE | 16.9% | 12.2% | +4.8 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.94B | $2.34B | $1.32B | $276.3M | $23.2M | 1.59% | 3.49% | 0.23% |
| Q1 2026 | $2.92B | $2.36B | $1.35B | $274.1M | $10.9M | 1.50% | 3.51% | 0.27% |
| Q4 2025 | $2.90B | $2.35B | $1.37B | $270.2M | $46.5M | 1.69% | 3.76% | 0.37% |
| Q3 2025 | $2.68B | $2.13B | $1.32B | $264.2M | $34.7M | 1.71% | 3.79% | 0.43% |
| Q2 2025 | $2.70B | $2.15B | $1.36B | $262.0M | $22.7M | 1.67% | 3.74% | 0.43% |
| Q1 2025 | $2.71B | $2.15B | $1.35B | $259.8M | $10.8M | 1.59% | 3.70% | 0.44% |
| Q4 2024 | $2.74B | $2.23B | $1.32B | $253.8M | $49.1M | 1.94% | 4.12% | 0.42% |
| Q3 2024 | $2.45B | $1.95B | $1.28B | $248.3M | $36.9M | 1.99% | 4.22% | 0.47% |
Loan mix (Q2 2026): real estate $1.13B · commercial $171.1M · consumer $9.4M · securities $688.9M
| Ratio | Bryant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.26% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 12.2% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 59.0% | 36th |
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 | Bryant 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 | Bryant 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 | Bryant 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 | Bryant 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 | Bryant 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.
18 branches in 7 counties across 1 state (+0 vs 2024) · $2.15B branch deposits. Biggest market: Tuscaloosa, AL, ranked 1st with 17.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tuscaloosa, AL | 4 | $896.3M | 17.44% | 1st |
| Jefferson, AL | 5 | $501.0M | 1.15% | 13th |
| Baldwin, AL | 3 | $252.3M | 3.27% | 12th |
| 4 more counties with Pro → | ||||
Alabama: 15th with 1.33% · Tuscaloosa metro: 1st, 14.56% · Birmingham metro: 15th, 1.22% ·
Branch count: 2022 17 · 2023 18 · 2024 18 · 2025 18