| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +4.4% | +7.9 pts |
| Deposit growth (YoY) | 0.0% | +4.0% | -4.0 pts |
| Loan growth (YoY) | — | +5.6% | — |
| ROA | 8.54% | 1.24% | +7.3 pts |
| ROE | 9.3% | 11.9% | -2.6 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $160.5M | $500K | $0 | $146.9M | $6.6M | 8.54% | 3.36% | 0.00% |
| Q1 2026 | $155.6M | $500K | $0 | $141.7M | $1.4M | 3.65% | 3.33% | 0.00% |
| Q4 2025 | $150.7M | $500K | $0 | $140.3M | $15.6M | 10.85% | 3.58% | 0.00% |
| Q3 2025 | $149.7M | $500K | $0 | $135.4M | $10.7M | 10.04% | 3.58% | 0.00% |
| Q2 2025 | $143.0M | $500K | $0 | $131.5M | $6.8M | 9.73% | 3.56% | 0.00% |
| Q1 2025 | $139.3M | $500K | $0 | $128.2M | $3.5M | 10.25% | 3.53% | 0.00% |
| Q4 2024 | $134.5M | $500K | $0 | $124.7M | $7.3M | 5.59% | 3.73% | 0.00% |
| Q3 2024 | $135.0M | $500K | $0 | $124.8M | $7.4M | 7.58% | 3.73% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $90.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 8.54% | 1.24% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 62.9% | 84th |
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.
1 branches in 1 county across 1 state (+0 vs 2024) · $500K branch deposits. Biggest market: St. Louis, MO, ranked 75th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 1 | $500K | 0.00% | 75th |
Missouri: 350th with 0.00% · St. Louis metro: 144th, 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1