| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | -0.2% | +4.0% | -4.2 pts |
| Loan growth (YoY) | +1.6% | +5.6% | -4.0 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 9.6% | 11.9% | -2.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $217.3M | $190.9M | $160.6M | $22.9M | $1.1M | 1.02% | 4.44% | 2.94% |
| Q1 2026 | $216.4M | $190.7M | $160.8M | $22.4M | $556K | 1.04% | 4.45% | 2.63% |
| Q4 2025 | $213.2M | $189.2M | $155.2M | $23.3M | $3.7M | 1.75% | 4.62% | 2.26% |
| Q3 2025 | $211.9M | $187.5M | $155.0M | $23.0M | $2.8M | 1.76% | 4.61% | 1.27% |
| Q2 2025 | $215.8M | $191.3M | $158.0M | $21.5M | $1.4M | 1.28% | 4.56% | 1.25% |
| Q1 2025 | $210.1M | $185.8M | $155.6M | $21.2M | $641K | 1.22% | 4.52% | 1.42% |
| Q4 2024 | $209.0M | $185.3M | $156.3M | $21.0M | $2.8M | 1.37% | 4.42% | 1.18% |
| Q3 2024 | $207.2M | $183.4M | $149.2M | $20.5M | $2.2M | 1.40% | 4.39% | 1.16% |
Loan mix (Q2 2026): real estate $126.9M · commercial $23.2M · consumer $11.1M · securities $23.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 62.9% | 82nd |
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) · $190.9M branch deposits. Biggest market: Breathitt, KY, ranked 1st with 65.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Breathitt, KY | 2 | $152.4M | 65.51% | 1st |
| Lee, KY | 1 | $38.5M | 31.33% | 2nd |
Kentucky: 118th with 0.13% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (29 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).