| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.9% | +2.2 pts |
| Deposit growth (YoY) | +6.5% | +4.3% | +2.2 pts |
| Loan growth (YoY) | +8.1% | +5.3% | +2.7 pts |
| ROA | 1.78% | 1.28% | +0.5 pts |
| ROE | 13.3% | 12.5% | +0.9 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $565.8M | $481.2M | $345.5M | $76.2M | $4.9M | 1.78% | 4.84% | 1.08% |
| Q1 2026 | $567.1M | $486.4M | $334.3M | $73.0M | $2.4M | 1.77% | 4.82% | 0.94% |
| Q4 2025 | $522.9M | $443.9M | $340.1M | $71.6M | $8.6M | 1.62% | 4.85% | 1.06% |
| Q3 2025 | $528.1M | $446.4M | $336.2M | $73.4M | $8.6M | 2.14% | 4.76% | 0.64% |
| Q2 2025 | $528.1M | $451.7M | $319.7M | $68.5M | $5.9M | 2.19% | 4.65% | 0.82% |
| Q1 2025 | $559.5M | $455.2M | $323.9M | $66.4M | $3.0M | 2.23% | 4.49% | 1.18% |
| Q4 2024 | $528.9M | $426.9M | $315.4M | $62.6M | $7.3M | 1.37% | 4.53% | 1.24% |
| Q3 2024 | $531.1M | $424.2M | $309.2M | $66.6M | $6.6M | 1.67% | 4.51% | 1.14% |
Loan mix (Q2 2026): real estate $266.6M · commercial $34.0M · consumer $35.9M · securities $135.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.28% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.5% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 61.1% | 41st |
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.
Technology spend up 96% 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).
11 branches in 4 counties across 1 state (+0 vs 2025) · $481.2M branch deposits. Biggest market: Prentiss, MS, ranked 1st with 43.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Prentiss, MS | 4 | $261.5M | 43.72% | 1st |
| Itawamba, MS | 2 | $110.1M | 25.04% | 2nd |
| Alcorn, MS | 3 | $66.2M | 6.87% | 6th |
| 1 more county with Pro → | ||||
Mississippi: 29th with 0.52% ·
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 11 · 2026 11