| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.4% | +4.4% | -10.8 pts |
| Deposit growth (YoY) | +0.8% | +4.0% | -3.2 pts |
| Loan growth (YoY) | -6.2% | +5.6% | -11.8 pts |
| ROA | 0.04% | 1.24% | -1.2 pts |
| ROE | 0.4% | 11.9% | -11.5 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.3M | $95.5M | $78.6M | $12.6M | $23K | 0.04% | 3.00% | 0.10% |
| Q1 2026 | $125.5M | $93.8M | $79.5M | $12.3M | $-94K | -0.30% | 2.92% | 0.51% |
| Q4 2025 | $128.8M | $95.8M | $80.8M | $12.5M | $-300K | -0.23% | 2.67% | 0.46% |
| Q3 2025 | $128.9M | $94.8M | $81.0M | $12.4M | $-277K | -0.28% | 2.59% | 0.39% |
| Q2 2025 | $134.9M | $94.8M | $83.9M | $12.3M | $-165K | -0.25% | 2.52% | 0.26% |
| Q1 2025 | $133.3M | $91.8M | $80.9M | $12.6M | $-70K | -0.21% | 2.41% | 0.35% |
| Q4 2024 | $135.7M | $93.0M | $80.8M | $12.6M | $-618K | -0.44% | 2.36% | 0.30% |
| Q3 2024 | $142.0M | $95.2M | $83.1M | $12.9M | $-606K | -0.57% | 2.34% | 0.03% |
Loan mix (Q2 2026): real estate $77.2M · commercial $595K · consumer $879K · securities $24.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.1% | 62.9% | 97th |
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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $95.5M branch deposits. Biggest market: Dallam, TX, ranked 2nd with 30.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallam, TX | 1 | $55.0M | 30.09% | 2nd |
| Moore, TX | 1 | $40.5M | 9.33% | 5th |
Texas: 532nd with 0.01% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (22 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).