| Metric | Currency Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +4.4% | -9.2 pts |
| Deposit growth (YoY) | -9.4% | +4.0% | -13.4 pts |
| Loan growth (YoY) | +17.6% | +5.6% | +12.0 pts |
| ROA | 1.95% | 1.24% | +0.7 pts |
| ROE | 12.6% | 11.9% | +0.7 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $248.5M | $203.2M | $189.0M | $39.4M | $2.4M | 1.95% | 4.70% | 0.11% |
| Q1 2026 | $248.0M | $209.3M | $176.8M | $37.8M | $768K | 1.26% | 4.50% | 0.14% |
| Q4 2025 | $241.6M | $203.5M | $161.4M | $37.5M | $2.3M | 1.02% | 4.32% | 0.08% |
| Q3 2025 | $250.7M | $212.9M | $168.0M | $36.8M | $1.6M | 0.96% | 4.28% | 0.56% |
| Q2 2025 | $261.2M | $224.4M | $160.7M | $36.0M | $961K | 0.88% | 4.22% | 0.20% |
| Q1 2025 | $197.4M | $162.0M | $135.9M | $34.7M | $490K | 0.99% | 3.93% | 0.10% |
| Q4 2024 | $199.5M | $164.8M | $127.5M | $34.0M | $2.0M | 1.08% | 4.08% | 0.10% |
| Q3 2024 | $194.8M | $160.4M | $130.3M | $33.6M | $1.5M | 1.10% | 4.13% | 0.10% |
Loan mix (Q2 2026): real estate $114.9M · commercial $68.4M · consumer $1.3M · securities $23.5M
| Ratio | Currency Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% | 62.9% | 15th |
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 | Currency Bank | 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 | Currency Bank | 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 | Currency Bank | 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 | Currency Bank | 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 | Currency Bank | 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.
4 branches in 3 counties across 1 state (-1 vs 2025) · $203.2M branch deposits. Biggest market: East Baton Rouge, LA, ranked 22nd with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| East Baton Rouge, LA | 1 | $102.8M | 0.43% | 22nd |
| West Carroll, LA | 1 | $50.5M | 19.72% | 3rd |
| Vermilion, LA | 2 | $49.9M | 4.54% | 8th |
Louisiana: 100th with 0.13% · Baton Rouge metro: 37th, 0.32% · Lafayette metro: 29th, 0.38% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 5 · 2026 4
Technology spend up 55% in 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).