| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.9% | -1.2 pts |
| Deposit growth (YoY) | +2.9% | +4.3% | -1.4 pts |
| Loan growth (YoY) | +9.3% | +5.3% | +3.9 pts |
| ROA | 1.58% | 1.28% | +0.3 pts |
| ROE | 16.9% | 12.5% | +4.5 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $511.1M | $453.9M | $266.8M | $48.5M | $4.0M | 1.58% | 3.80% | 0.05% |
| Q1 2026 | $506.5M | $450.7M | $257.4M | $47.1M | $1.9M | 1.52% | 3.68% | 0.13% |
| Q4 2025 | $504.9M | $450.2M | $260.5M | $46.6M | $7.3M | 1.50% | 3.66% | 0.12% |
| Q3 2025 | $489.2M | $435.6M | $247.6M | $44.8M | $5.5M | 1.51% | 3.66% | 0.23% |
| Q2 2025 | $492.9M | $441.1M | $244.1M | $42.7M | $3.7M | 1.51% | 3.63% | 0.36% |
| Q1 2025 | $483.6M | $433.7M | $237.4M | $41.0M | $1.8M | 1.52% | 3.59% | 0.16% |
| Q4 2024 | $473.1M | $426.1M | $245.2M | $38.7M | $6.5M | 1.47% | 3.66% | 0.12% |
| Q3 2024 | $435.5M | $387.6M | $251.5M | $39.1M | $4.8M | 1.48% | 3.68% | 0.13% |
Loan mix (Q2 2026): real estate $211.1M · commercial $39.0M · consumer $5.1M · securities $106.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.28% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 12.5% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 61.1% | 13th |
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.
3 branches in 2 counties across 1 state (+0 vs 2025) · $453.9M branch deposits. Biggest market: Sumter, GA, ranked 1st with 37.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sumter, GA | 2 | $405.8M | 37.13% | 1st |
| Webster, GA | 1 | $48.1M | 100.00% | 1st |
Georgia: 77th with 0.11% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (14 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).