| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | -2.0% | +4.0% | -6.0 pts |
| Loan growth (YoY) | -0.1% | +5.6% | -5.7 pts |
| ROA | 0.89% | 1.24% | -0.3 pts |
| ROE | 10.3% | 11.9% | -1.5 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $100.6M | $91.1M | $75.1M | $8.9M | $454K | 0.89% | 4.54% | 0.35% |
| Q1 2026 | $101.7M | $92.2M | $74.1M | $8.7M | $208K | 0.81% | 4.39% | 0.30% |
| Q4 2025 | $103.4M | $93.9M | $74.7M | $8.7M | $782K | 0.76% | 4.40% | 0.30% |
| Q3 2025 | $103.8M | $94.5M | $75.6M | $8.5M | $615K | 0.80% | 4.34% | 0.40% |
| Q2 2025 | $101.8M | $93.0M | $75.2M | $8.2M | $352K | 0.68% | 4.20% | 0.42% |
| Q1 2025 | $105.1M | $96.7M | $70.7M | $8.0M | $158K | 0.61% | 4.04% | 0.33% |
| Q4 2024 | $101.6M | $93.4M | $71.0M | $7.9M | $413K | 0.43% | 4.07% | 0.36% |
| Q3 2024 | $99.7M | $91.2M | $72.1M | $7.9M | $238K | 0.33% | 4.00% | 0.84% |
Loan mix (Q2 2026): real estate $63.8M · commercial $9.4M · consumer $1.1M · securities $12.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Dedicated Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 62.9% | 79th |
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 | Dedicated Community 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 | Dedicated Community 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 | Dedicated Community 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 | Dedicated Community 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 | Dedicated Community 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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $93.0M branch deposits. Biggest market: Darlington, SC, ranked 6th with 8.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Darlington, SC | 1 | $75.4M | 7.97% | 6th |
| Florence, SC | 1 | $17.6M | 0.43% | 21st |
South Carolina: 93rd with 0.06% · Florence metro: 14th, 1.85% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2