| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.9% | +5.0 pts |
| Deposit growth (YoY) | +11.8% | +4.3% | +7.4 pts |
| Loan growth (YoY) | +10.2% | +5.3% | +4.8 pts |
| ROA | 1.69% | 1.28% | +0.4 pts |
| ROE | 15.3% | 12.5% | +2.8 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $650.8M | $511.3M | $475.7M | $73.7M | $5.4M | 1.69% | 3.71% | 0.45% |
| Q1 2026 | $637.1M | $499.9M | $458.1M | $70.7M | $2.8M | 1.75% | 3.70% | 0.00% |
| Q4 2025 | $639.9M | $504.0M | $455.1M | $68.9M | $8.4M | 1.40% | 3.50% | 0.48% |
| Q3 2025 | $596.8M | $460.9M | $436.3M | $68.4M | $6.4M | 1.45% | 3.48% | 0.92% |
| Q2 2025 | $592.1M | $457.5M | $431.7M | $65.1M | $4.1M | 1.40% | 3.42% | 0.54% |
| Q1 2025 | $592.3M | $460.3M | $409.5M | $63.6M | $2.0M | 1.37% | 3.34% | 0.34% |
| Q4 2024 | $569.8M | $437.9M | $390.6M | $59.9M | $6.0M | 1.14% | 3.32% | 0.35% |
| Q3 2024 | $541.8M | $405.6M | $387.8M | $62.6M | $4.9M | 1.26% | 3.35% | 0.39% |
Loan mix (Q2 2026): real estate $259.5M · commercial $78.6M · consumer $1.6M · securities $108.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.28% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 12.5% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.9% | 61.1% | 4th |
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 36% 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).
5 branches in 4 counties across 2 states (+0 vs 2025) · $511.3M branch deposits. Biggest market: Thomas, KS, ranked 1st with 60.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Thomas, KS | 2 | $405.2M | 60.78% | 1st |
| Kit Carson, CO | 1 | $54.0M | 11.23% | 4th |
| Adams, CO | 1 | $38.3M | 0.39% | 29th |
| 1 more county with Pro → | ||||
Kansas: 68th with 0.34% · Colorado: 135th with 0.05% · Denver-Aurora-Centennial metro: 91st, 0.03% ·
Branch count: 2022 2 · 2023 4 · 2024 5 · 2025 5 · 2026 5