| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | -3.2% | +4.0% | -7.1 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 0.35% | 1.24% | -0.9 pts |
| ROE | 2.5% | 11.9% | -9.4 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $282.9M | $231.2M | $120.3M | $40.8M | $497K | 0.35% | 3.15% | 0.40% |
| Q1 2026 | $283.0M | $234.8M | $120.3M | $40.5M | $214K | 0.30% | 3.06% | 0.40% |
| Q4 2025 | $278.5M | $233.7M | $120.0M | $40.3M | $156K | 0.06% | 2.94% | 0.45% |
| Q3 2025 | $279.8M | $235.4M | $118.5M | $40.1M | $-66K | -0.03% | 2.89% | 0.43% |
| Q2 2025 | $282.6M | $238.8M | $118.3M | $39.8M | $-371K | -0.26% | 2.85% | 0.43% |
| Q1 2025 | $286.6M | $242.1M | $117.1M | $40.2M | $11K | 0.02% | 2.74% | 1.26% |
| Q4 2024 | $283.8M | $238.9M | $116.4M | $40.2M | $367K | 0.13% | 2.66% | 0.00% |
| Q3 2024 | $271.5M | $226.8M | $112.0M | $40.0M | $238K | 0.12% | 2.65% | 0.07% |
Loan mix (Q2 2026): real estate $113.6M · commercial $125K · consumer $7.2M · securities $113.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 62.9% | 93rd |
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.
8 branches in 4 counties across 1 state (+0 vs 2024) · $238.8M branch deposits. Biggest market: Crawford, OH, ranked 7th with 7.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crawford, OH | 2 | $95.2M | 7.75% | 7th |
| Richland, OH | 3 | $84.7M | 3.06% | 8th |
| Morrow, OH | 2 | $54.2M | 13.69% | 5th |
| 1 more county with Pro → | ||||
Ohio: 126th with 0.04% · Mansfield metro: 8th, 3.06% · Columbus metro: 62nd, 0.04% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8