| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.0% | -0.2 pts |
| Deposit growth (YoY) | +0.6% | +2.5% | -1.9 pts |
| Loan growth (YoY) | +7.4% | +2.6% | +4.8 pts |
| ROA | 1.13% | 0.99% | +0.1 pts |
| ROE | 6.4% | 8.1% | -1.6 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.6M | $42.5M | $39.0M | $9.2M | $293K | 1.13% | 4.93% | 0.07% |
| Q1 2026 | $51.9M | $42.1M | $37.3M | $9.1M | $117K | 0.90% | 4.86% | 0.27% |
| Q4 2025 | $51.6M | $41.8M | $37.6M | $9.0M | $541K | 1.06% | 4.77% | 0.44% |
| Q3 2025 | $52.2M | $43.2M | $36.5M | $8.6M | $354K | 0.92% | 4.69% | 0.59% |
| Q2 2025 | $51.2M | $42.3M | $36.3M | $8.3M | $235K | 0.92% | 4.58% | 0.43% |
| Q1 2025 | $51.3M | $42.6M | $36.5M | $8.2M | $132K | 1.04% | 4.47% | 0.22% |
| Q4 2024 | $50.0M | $40.5M | $36.0M | $8.0M | $349K | 0.69% | 4.04% | 0.82% |
| Q3 2024 | $50.9M | $40.6M | $36.9M | $8.0M | $203K | 0.54% | 3.89% | 0.60% |
Loan mix (Q2 2026): real estate $35.8M · commercial $1.6M · consumer $2.4M · securities $10.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.99% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 8.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 70.8% | 45th |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $42.5M branch deposits. Biggest market: Monongalia, WV, ranked 13th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monongalia, WV | 1 | $42.5M | 0.78% | 13th |
West Virginia: 90th with 0.08% · Morgantown metro: 13th, 0.70% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends 1.8× the peer median on technology. 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).