| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +5.5% | -3.8 pts |
| Deposit growth (YoY) | +1.1% | +5.1% | -3.9 pts |
| Loan growth (YoY) | +2.6% | +5.9% | -3.3 pts |
| ROA | 1.20% | 1.26% | -0.1 pts |
| ROE | 10.6% | 12.2% | -1.6 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.17B | $1.83B | $1.80B | $246.1M | $12.8M | 1.20% | 2.96% | 0.96% |
| Q1 2026 | $2.14B | $1.81B | $1.76B | $243.4M | $6.0M | 1.12% | 2.83% | 0.95% |
| Q4 2025 | $2.11B | $1.78B | $1.74B | $239.3M | $20.8M | 0.99% | 2.92% | 0.72% |
| Q3 2025 | $2.11B | $1.78B | $1.73B | $233.8M | $14.2M | 0.90% | 2.90% | 0.48% |
| Q2 2025 | $2.13B | $1.81B | $1.76B | $231.0M | $10.9M | 1.04% | 2.89% | 0.80% |
| Q1 2025 | $2.09B | $1.79B | $1.75B | $214.6M | $5.1M | 0.98% | 2.78% | 0.72% |
| Q4 2024 | $2.06B | $1.76B | $1.72B | $209.1M | $15.8M | 0.77% | 2.57% | 0.72% |
| Q3 2024 | $2.06B | $1.75B | $1.72B | $204.9M | $10.7M | 0.70% | 2.51% | 0.71% |
Loan mix (Q2 2026): real estate $1.44B · commercial $378.8M · consumer $3.4M · securities $17.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.26% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 12.2% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.4% | 59.0% | 19th |
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.
8 branches in 6 counties across 2 states (+0 vs 2024) · $1.81B branch deposits. Biggest market: Franklin, OH, ranked 11th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, OH | 1 | $925.0M | 0.87% | 11th |
| Marion, IN | 1 | $240.4M | 0.49% | 22nd |
| Delaware, OH | 1 | $195.3M | 2.52% | 9th |
| 3 more counties with Pro → | ||||
Ohio: 28th with 0.26% · Indiana: 109th with 0.10% · Columbus metro: 12th, 0.89% · Indianapolis-Carmel-Greenwood metro: 34th, 0.24% ·
Branch count: 2022 7 · 2023 8 · 2024 8 · 2025 8