| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +4.9% | -6.6 pts |
| Deposit growth (YoY) | +0.6% | +4.3% | -3.8 pts |
| Loan growth (YoY) | +2.2% | +5.3% | -3.1 pts |
| ROA | 1.85% | 1.28% | +0.6 pts |
| ROE | 18.3% | 12.4% | +5.9 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $652.0M | $524.4M | $559.5M | $69.8M | $6.2M | 1.85% | 4.09% | 0.68% |
| Q1 2026 | $663.0M | $527.0M | $562.9M | $67.4M | $3.0M | 1.77% | 4.01% | 0.76% |
| Q4 2025 | $679.0M | $544.6M | $566.3M | $64.9M | $9.3M | 1.41% | 3.64% | 0.20% |
| Q3 2025 | $680.5M | $540.4M | $558.0M | $62.3M | $7.0M | 1.42% | 3.56% | 0.07% |
| Q2 2025 | $663.6M | $521.6M | $547.3M | $59.5M | $4.5M | 1.39% | 3.55% | 0.13% |
| Q1 2025 | $654.9M | $515.9M | $547.9M | $56.6M | $1.9M | 1.19% | 3.45% | 0.08% |
| Q4 2024 | $626.4M | $490.0M | $530.8M | $54.2M | $5.3M | 0.91% | 3.33% | 0.08% |
| Q3 2024 | $617.7M | $480.9M | $514.5M | $50.2M | $3.5M | 0.83% | 3.26% | 0.09% |
Loan mix (Q2 2026): real estate $435.0M · commercial $100.2M · consumer $7.2M · securities $52.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.28% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 12.4% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 61.2% | 27th |
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 5 counties across 1 state (+0 vs 2024) · $521.6M branch deposits. Biggest market: Stoddard, MO, ranked 3rd with 21.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stoddard, MO | 3 | $237.2M | 21.24% | 3rd |
| Cape Girardeau, MO | 2 | $134.9M | 4.25% | 12th |
| Scott, MO | 1 | $110.1M | 9.50% | 3rd |
| 2 more counties with Pro → | ||||
Missouri: 79th with 0.18% · Cape Girardeau metro: 12th, 3.96% · Springfield metro: 44th, 0.21% ·
Branch count: 2022 7 · 2023 8 · 2024 8 · 2025 8