| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.3 pts |
| Deposit growth (YoY) | -0.9% | +4.0% | -4.9 pts |
| Loan growth (YoY) | +5.6% | +5.6% | +0.0 pts |
| ROA | 1.59% | 1.24% | +0.3 pts |
| ROE | 17.2% | 11.9% | +5.4 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $318.8M | $268.9M | $209.9M | $30.3M | $2.5M | 1.59% | 3.63% | 0.00% |
| Q1 2026 | $323.0M | $273.7M | $205.8M | $29.6M | $1.3M | 1.56% | 3.58% | 0.00% |
| Q4 2025 | $320.3M | $272.8M | $201.6M | $28.6M | $5.1M | 1.59% | 3.52% | 0.00% |
| Q3 2025 | $318.1M | $267.6M | $201.2M | $29.2M | $3.8M | 1.57% | 3.50% | 0.00% |
| Q2 2025 | $321.8M | $271.4M | $198.7M | $26.9M | $2.5M | 1.56% | 3.44% | 0.00% |
| Q1 2025 | $318.7M | $273.2M | $198.4M | $25.6M | $1.1M | 1.40% | 3.35% | 0.00% |
| Q4 2024 | $312.8M | $269.3M | $193.7M | $24.1M | $4.0M | 1.27% | 3.25% | 0.00% |
| Q3 2024 | $318.7M | $261.5M | $194.9M | $23.7M | $2.8M | 1.17% | 3.20% | 0.00% |
Loan mix (Q2 2026): real estate $186.3M · commercial $14.0M · consumer $11.4M · securities $87.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 17.2% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 62.9% | 44th |
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.
4 branches in 1 county across 1 state (+0 vs 2025) · $268.9M branch deposits. Biggest market: Carter, OK, ranked 4th with 15.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Carter, OK | 4 | $268.9M | 15.50% | 4th |
Oklahoma: 98th with 0.16% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (31 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).