| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.2 pts |
| ROA | 1.08% | 1.24% | -0.2 pts |
| ROE | 15.6% | 11.9% | +3.7 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $307.6M | $276.9M | $126.3M | $22.0M | $1.6M | 1.08% | 3.18% | 0.41% |
| Q1 2026 | $305.6M | $276.5M | $125.2M | $20.6M | $814K | 1.07% | 3.14% | 0.45% |
| Q4 2025 | $304.6M | $275.6M | $120.6M | $20.8M | $3.0M | 1.03% | 3.14% | 0.43% |
| Q3 2025 | $297.2M | $268.6M | $123.4M | $20.2M | $2.2M | 1.02% | 3.12% | 0.36% |
| Q2 2025 | $289.5M | $263.8M | $121.0M | $17.3M | $1.4M | 1.01% | 3.08% | 0.40% |
| Q1 2025 | $283.7M | $258.9M | $115.1M | $16.5M | $652K | 0.92% | 2.98% | 0.34% |
| Q4 2024 | $286.1M | $263.5M | $115.6M | $14.3M | $2.3M | 0.85% | 2.96% | 0.35% |
| Q3 2024 | $276.0M | $248.8M | $115.6M | $18.9M | $1.7M | 0.82% | 2.94% | 0.38% |
Loan mix (Q2 2026): real estate $95.0M · commercial $20.1M · consumer $11.7M · securities $143.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 11.9% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 62.9% | 27th |
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.
3 branches in 2 counties across 1 state (+0 vs 2025) · $276.9M branch deposits. Biggest market: Chambers, AL, ranked 1st with 43.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chambers, AL | 2 | $225.0M | 43.41% | 1st |
| Tallapoosa, AL | 1 | $51.8M | 5.08% | 7th |
Alabama: 93rd with 0.15% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Spends about half what peers do on technology. 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).