| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +5.5% | -7.2 pts |
| Deposit growth (YoY) | -1.9% | +5.1% | -7.0 pts |
| Loan growth (YoY) | -0.7% | +5.9% | -6.6 pts |
| ROA | 1.04% | 1.26% | -0.2 pts |
| ROE | 13.0% | 12.2% | +0.8 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.37B | $1.23B | $965.6M | $113.4M | $7.2M | 1.04% | 3.61% | 0.30% |
| Q1 2026 | $1.37B | $1.24B | $960.3M | $107.3M | $3.3M | 0.94% | 3.50% | 0.40% |
| Q4 2025 | $1.41B | $1.27B | $955.0M | $109.7M | $15.3M | 1.09% | 3.45% | 0.32% |
| Q3 2025 | $1.40B | $1.26B | $969.1M | $107.6M | $11.7M | 1.11% | 3.41% | 0.49% |
| Q2 2025 | $1.40B | $1.25B | $972.3M | $95.6M | $6.0M | 0.85% | 3.28% | 0.66% |
| Q1 2025 | $1.40B | $1.26B | $965.0M | $101.2M | $2.9M | 0.80% | 3.18% | 0.59% |
| Q4 2024 | $1.45B | $1.31B | $955.8M | $102.3M | $7.7M | 0.55% | 2.86% | 0.40% |
| Q3 2024 | $1.40B | $1.27B | $957.4M | $104.2M | $4.7M | 0.44% | 2.76% | 0.41% |
Loan mix (Q2 2026): real estate $611.8M · commercial $118.3M · consumer $199.8M · securities $274.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.26% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.2% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 59.0% | 73rd |
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.
8 branches in 4 counties across 1 state (+0 vs 2024) · $1.25B branch deposits. Biggest market: Marshall, KY, ranked 1st with 64.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marshall, KY | 3 | $620.5M | 64.46% | 1st |
| McCracken, KY | 2 | $268.6M | 10.36% | 4th |
| Calloway, KY | 2 | $243.2M | 19.10% | 2nd |
| 1 more county with Pro → | ||||
Kentucky: 24th with 0.91% · Paducah metro: 6th, 7.29% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8