| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +4.8% | +5.6% | -0.7 pts |
| ROA | 1.55% | 1.24% | +0.3 pts |
| ROE | 20.5% | 11.9% | +8.6 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 | $275.9M | $211.4M | $168.4M | $21.3M | $2.1M | 1.55% | 3.30% | 0.07% |
| Q1 2026 | $275.2M | $212.2M | $162.9M | $20.9M | $1.1M | 1.52% | 3.30% | 0.05% |
| Q4 2025 | $279.8M | $215.6M | $165.6M | $20.7M | $3.4M | 1.27% | 2.92% | 0.03% |
| Q3 2025 | $263.7M | $194.6M | $164.8M | $19.8M | $2.6M | 1.29% | 2.94% | 0.05% |
| Q2 2025 | $263.2M | $199.6M | $160.6M | $18.4M | $1.7M | 1.26% | 2.87% | 0.04% |
| Q1 2025 | $263.7M | $199.4M | $151.7M | $16.8M | $815K | 1.24% | 2.81% | 0.17% |
| Q4 2024 | $264.1M | $199.8M | $152.3M | $14.4M | $2.2M | 0.86% | 2.44% | 0.13% |
| Q3 2024 | $254.4M | $186.1M | $154.5M | $17.6M | $1.7M | 0.88% | 2.50% | 0.19% |
Loan mix (Q2 2026): real estate $125.1M · commercial $5.4M · consumer $7.3M · securities $84.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 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.
6 branches in 4 counties across 1 state (+0 vs 2025) · $211.4M branch deposits. Biggest market: Ellsworth, KS, ranked 1st with 44.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ellsworth, KS | 2 | $133.6M | 44.65% | 1st |
| Ottawa, KS | 2 | $42.2M | 15.45% | 3rd |
| Lincoln, KS | 1 | $27.7M | 15.78% | 2nd |
| 1 more county with Pro → | ||||
Kansas: 112th with 0.18% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6
Technology spend in line with peers (12 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).