| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | -6.9% | +4.0% | -10.9 pts |
| Loan growth (YoY) | — | +5.6% | — |
| ROA | 13.72% | 1.24% | +12.5 pts |
| ROE | 20.0% | 11.9% | +8.2 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $412.8M | $550K | $0 | $278.8M | $27.6M | 13.72% | 4.18% | 0.00% |
| Q1 2026 | $398.5M | $1.3M | $0 | $274.8M | $13.2M | 13.24% | 3.89% | 0.00% |
| Q4 2025 | $397.2M | $1.5M | $0 | $274.6M | $51.8M | 13.26% | 4.84% | 0.00% |
| Q3 2025 | $400.5M | $682K | $0 | $268.8M | $35.5M | 12.16% | 4.85% | 0.00% |
| Q2 2025 | $397.9M | $591K | $0 | $264.4M | $22.3M | 11.60% | 4.96% | 0.00% |
| Q1 2025 | $377.4M | $1.1M | $0 | $262.4M | $11.4M | 11.99% | 4.62% | 0.00% |
| Q4 2024 | $380.4M | $638K | $0 | $270.3M | $59.3M | 16.56% | 5.82% | 0.00% |
| Q3 2024 | $373.4M | $639K | $0 | $256.0M | $35.1M | 13.25% | 5.67% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 13.72% | 1.24% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 20.0% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 62.9% | 39th |
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.
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).
16 branches in 16 counties across 12 states (-1 vs 2025) · $550K branch deposits. Biggest market: Fulton, GA, ranked 71st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fulton, GA | 1 | $550K | 0.00% | 71st |
| Cook, IL | 1 | $0 | 0.00% | 169th |
| San Francisco, CA | 1 | $0 | 0.00% | 56th |
| 13 more counties with Pro → | ||||
Georgia: 282nd with 0.00% · Michigan: 310th with 0.00% · Colorado: 197th with 0.00% · Texas: 914th with 0.00% · Massachusetts: 246th with 0.00% · Florida: 336th with 0.00% · California: 437th with 0.00% · Delaware: 50th with 0.00% · District of Columbia: 81st with 0.00% · New York: 482nd with 0.00% · Missouri: 363rd with 0.00% · Illinois: 603rd with 0.00% · Atlanta-Sandy Springs-Roswell metro: 130th, 0.00% · Dallas-Fort Worth-Arlington metro: 295th, 0.00% ·
Branch count: 2022 15 · 2023 15 · 2024 15 · 2025 17 · 2026 16