| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.9% | +4.2 pts |
| Deposit growth (YoY) | +13.4% | +4.3% | +9.1 pts |
| Loan growth (YoY) | +6.0% | +5.3% | +0.7 pts |
| ROA | 1.50% | 1.28% | +0.2 pts |
| ROE | 13.4% | 12.5% | +1.0 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $714.2M | $630.7M | $487.5M | $78.3M | $5.2M | 1.50% | 4.21% | 0.54% |
| Q1 2026 | $679.5M | $591.5M | $473.0M | $76.4M | $2.5M | 1.47% | 4.18% | 0.58% |
| Q4 2025 | $676.3M | $577.6M | $474.0M | $76.4M | $9.0M | 1.36% | 4.11% | 0.70% |
| Q3 2025 | $667.6M | $561.2M | $466.5M | $77.6M | $6.6M | 1.34% | 4.06% | 0.66% |
| Q2 2025 | $654.6M | $556.0M | $459.9M | $73.4M | $4.3M | 1.31% | 4.03% | 0.19% |
| Q1 2025 | $657.9M | $560.3M | $461.0M | $71.0M | $1.9M | 1.18% | 3.92% | 0.12% |
| Q4 2024 | $647.3M | $550.8M | $464.6M | $69.9M | $6.8M | 1.03% | 3.70% | 0.17% |
| Q3 2024 | $665.0M | $561.1M | $456.3M | $72.1M | $4.8M | 0.98% | 3.60% | 0.14% |
Loan mix (Q2 2026): real estate $454.0M · commercial $16.9M · consumer $20.6M · securities $160.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.28% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.5% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.8% | 61.1% | 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.
Spends 1.5× 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).
11 branches in 5 counties across 1 state (-1 vs 2025) · $630.7M branch deposits. Biggest market: Pulaski, KY, ranked 3rd with 13.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, KY | 5 | $263.5M | 13.36% | 3rd |
| Adair, KY | 2 | $138.3M | 26.41% | 2nd |
| Clinton, KY | 2 | $131.3M | 49.82% | 1st |
| 2 more counties with Pro → | ||||
Kentucky: 45th with 0.44% ·
Branch count: 2022 11 · 2023 11 · 2024 12 · 2025 12 · 2026 11