| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +3.0% | -1.2 pts |
| Deposit growth (YoY) | +1.0% | +2.5% | -1.5 pts |
| Loan growth (YoY) | +6.6% | +2.6% | +4.0 pts |
| ROA | 1.83% | 0.99% | +0.8 pts |
| ROE | 12.6% | 8.1% | +4.5 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.2M | $47.1M | $21.0M | $8.6M | $523K | 1.83% | 4.12% | 0.01% |
| Q1 2026 | $58.8M | $47.8M | $20.4M | $8.2M | $239K | 1.68% | 3.98% | 0.04% |
| Q4 2025 | $54.8M | $43.4M | $20.7M | $8.0M | $1.1M | 1.92% | 4.35% | 0.18% |
| Q3 2025 | $57.0M | $46.4M | $19.9M | $8.0M | $809K | 1.88% | 4.32% | 0.01% |
| Q2 2025 | $57.1M | $46.6M | $19.7M | $8.0M | $551K | 1.92% | 4.34% | 0.20% |
| Q1 2025 | $57.0M | $47.0M | $20.5M | $7.6M | $312K | 2.17% | 4.31% | 0.16% |
| Q4 2024 | $58.0M | $46.5M | $21.0M | $7.1M | $1.4M | 2.32% | 4.58% | 0.28% |
| Q3 2024 | $62.2M | $49.6M | $21.1M | $7.9M | $1.1M | 2.46% | 4.62% | 0.34% |
Loan mix (Q2 2026): real estate $14.1M · commercial $3.4M · consumer $3.7M · securities $12.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.99% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 8.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 70.8% | 22nd |
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) · $47.1M branch deposits. Biggest market: Custer, OK, ranked 13th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Custer, OK | 1 | $47.1M | 3.92% | 13th |
Oklahoma: 211th with 0.03% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 85% 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).