| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +3.0% | -2.2 pts |
| Deposit growth (YoY) | -0.2% | +2.5% | -2.7 pts |
| Loan growth (YoY) | -1.6% | +2.6% | -4.2 pts |
| ROA | 2.17% | 0.99% | +1.2 pts |
| ROE | 16.1% | 8.1% | +8.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.2M | $48.6M | $40.2M | $7.7M | $606K | 2.17% | 5.43% | 0.44% |
| Q1 2026 | $55.9M | $47.5M | $39.8M | $7.5M | $279K | 2.02% | 5.43% | 2.07% |
| Q4 2025 | $54.4M | $46.2M | $40.3M | $7.4M | $1.2M | 2.17% | 5.46% | 0.45% |
| Q3 2025 | $55.8M | $47.5M | $41.5M | $7.4M | $882K | 2.14% | 5.45% | 1.81% |
| Q2 2025 | $56.8M | $48.7M | $40.8M | $7.2M | $542K | 1.98% | 5.35% | 0.33% |
| Q1 2025 | $54.9M | $46.9M | $41.4M | $7.1M | $310K | 2.31% | 5.31% | 0.69% |
| Q4 2024 | $52.5M | $44.7M | $40.1M | $6.9M | $1.2M | 2.19% | 5.39% | 0.65% |
| Q3 2024 | $53.7M | $45.9M | $41.4M | $6.9M | $870K | 2.15% | 5.34% | 0.78% |
Loan mix (Q2 2026): real estate $20.0M · commercial $7.2M · consumer $7.7M · securities $5.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 0.99% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 8.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 70.8% | 20th |
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 2025) · $48.6M branch deposits. Biggest market: Pontotoc, OK, ranked 8th with 2.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pontotoc, OK | 1 | $48.6M | 2.25% | 8th |
Oklahoma: 208th with 0.03% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends 1.6× the peer median 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).