| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +5.5% | -8.0 pts |
| Deposit growth (YoY) | -4.0% | +5.1% | -9.0 pts |
| Loan growth (YoY) | +7.4% | +5.9% | +1.5 pts |
| ROA | 1.26% | 1.26% | +0.0 pts |
| ROE | 14.3% | 12.2% | +2.2 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.08B | $972.0M | $631.3M | $98.4M | $6.9M | 1.26% | 3.52% | 0.09% |
| Q1 2026 | $1.10B | $992.1M | $607.8M | $95.3M | $3.2M | 1.18% | 3.41% | 0.10% |
| Q4 2025 | $1.09B | $985.3M | $613.2M | $94.1M | $14.0M | 1.28% | 3.29% | 0.09% |
| Q3 2025 | $1.10B | $999.8M | $602.0M | $93.1M | $9.4M | 1.15% | 3.23% | 0.03% |
| Q2 2025 | $1.11B | $1.01B | $587.9M | $87.0M | $5.6M | 1.02% | 3.18% | 0.02% |
| Q1 2025 | $1.09B | $1.00B | $574.6M | $82.2M | $2.6M | 0.97% | 3.09% | 0.02% |
| Q4 2024 | $1.08B | $996.5M | $567.9M | $77.8M | $10.9M | 1.04% | 3.08% | 0.02% |
| Q3 2024 | $1.05B | $957.5M | $559.0M | $87.2M | $7.9M | 1.01% | 3.05% | 0.02% |
Loan mix (Q2 2026): real estate $470.2M · commercial $107.2M · consumer $22.6M · securities $318.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.26% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.2% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 59.0% | 72nd |
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.
10 branches in 4 counties across 1 state (+0 vs 2024) · $1.01B branch deposits. Biggest market: Henry, TN, ranked 2nd with 26.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Henry, TN | 3 | $357.2M | 26.95% | 2nd |
| Shelby, TN | 2 | $324.2M | 0.94% | 18th |
| Madison, TN | 3 | $165.7M | 6.73% | 6th |
| 1 more county with Pro → | ||||
Tennessee: 43rd with 0.39% · Memphis metro: 26th, 0.76% · Jackson metro: 9th, 4.08% ·
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 10