| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +3.0% | -7.0 pts |
| Deposit growth (YoY) | -5.3% | +2.5% | -7.7 pts |
| Loan growth (YoY) | -3.8% | +2.6% | -6.4 pts |
| ROA | 0.67% | 0.99% | -0.3 pts |
| ROE | 6.0% | 8.1% | -2.1 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $67.3M | $59.4M | $36.9M | $7.3M | $223K | 0.67% | 4.70% | 1.01% |
| Q1 2026 | $72.5M | $64.4M | $38.9M | $7.5M | $316K | 1.90% | 4.40% | 2.10% |
| Q4 2025 | $60.9M | $52.7M | $38.9M | $7.6M | $862K | 1.26% | 4.14% | 2.00% |
| Q3 2025 | $66.4M | $58.4M | $38.6M | $7.4M | $770K | 1.47% | 3.98% | 2.36% |
| Q2 2025 | $70.1M | $62.6M | $38.3M | $6.9M | $443K | 1.25% | 3.75% | 1.76% |
| Q1 2025 | $79.4M | $72.3M | $37.8M | $6.6M | $166K | 0.93% | 3.63% | 1.76% |
| Q4 2024 | $64.0M | $56.6M | $38.4M | $6.8M | $1.1M | 1.46% | 3.97% | 0.73% |
| Q3 2024 | $71.3M | $63.6M | $38.5M | $7.1M | $913K | 1.64% | 3.91% | 0.60% |
Loan mix (Q2 2026): real estate $17.1M · commercial $14.7M · consumer $3.3M · securities $10.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.99% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 8.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 70.8% | 76th |
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) · $59.4M branch deposits. Biggest market: Grady, OK, ranked 8th with 2.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grady, OK | 2 | $43.2M | 2.93% | 8th |
| McClain, OK | 1 | $16.1M | 1.63% | 10th |
Oklahoma: 196th with 0.04% · Oklahoma City metro: 74th, 0.08% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (40 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).