| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.6 pts |
| Deposit growth (YoY) | +6.4% | +4.0% | +2.4 pts |
| Loan growth (YoY) | +9.2% | +5.6% | +3.6 pts |
| ROA | 2.17% | 1.24% | +0.9 pts |
| ROE | 23.8% | 11.9% | +11.9 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $208.1M | $188.0M | $141.5M | $19.6M | $2.2M | 2.17% | 4.03% | 0.00% |
| Q1 2026 | $204.3M | $185.3M | $139.0M | $18.6M | $1.1M | 2.09% | 3.93% | 0.00% |
| Q4 2025 | $201.9M | $183.7M | $138.7M | $17.9M | $3.5M | 1.78% | 3.77% | 0.00% |
| Q3 2025 | $199.4M | $181.3M | $135.4M | $17.5M | $2.1M | 1.46% | 3.55% | 0.05% |
| Q2 2025 | $194.5M | $176.7M | $129.6M | $17.2M | $1.4M | 1.46% | 3.48% | 0.06% |
| Q1 2025 | $195.6M | $179.0M | $126.5M | $16.2M | $736K | 1.53% | 3.43% | 0.06% |
| Q4 2024 | $188.4M | $173.0M | $123.8M | $14.9M | $2.5M | 1.33% | 3.22% | 0.07% |
| Q3 2024 | $188.6M | $172.1M | $128.0M | $16.1M | $1.7M | 1.26% | 3.16% | 0.00% |
Loan mix (Q2 2026): real estate $138.2M · commercial $2.5M · consumer $2.1M · securities $53.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 1.24% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 23.8% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 62.9% | 15th |
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.
2 branches in 1 county across 1 state (+0 vs 2025) · $188.0M branch deposits. Biggest market: Anderson, KY, ranked 1st with 36.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Anderson, KY | 2 | $188.0M | 36.26% | 1st |
Kentucky: 121st with 0.13% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (20 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).