| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +4.4% | +5.0 pts |
| Deposit growth (YoY) | +15.2% | +4.0% | +11.2 pts |
| Loan growth (YoY) | +3.4% | +5.6% | -2.2 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 19.1% | 11.9% | +7.2 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $105.6M | $94.7M | $42.5M | $4.3M | $399K | 0.78% | 2.98% | 0.06% |
| Q1 2026 | $101.7M | $90.8M | $41.9M | $4.2M | $171K | 0.68% | 2.87% | 0.06% |
| Q4 2025 | $98.4M | $84.1M | $41.4M | $4.1M | $458K | 0.47% | 2.78% | 0.05% |
| Q3 2025 | $96.7M | $81.4M | $40.9M | $3.9M | $368K | 0.50% | 2.74% | 0.06% |
| Q2 2025 | $96.5M | $82.2M | $41.1M | $2.7M | $211K | 0.43% | 2.69% | 0.04% |
| Q1 2025 | $99.4M | $88.3M | $40.3M | $2.4M | $161K | 0.64% | 2.69% | 0.04% |
| Q4 2024 | $100.5M | $91.1M | $40.0M | $1.7M | $294K | 0.30% | 2.45% | 0.06% |
| Q3 2024 | $101.1M | $81.4M | $40.2M | $3.2M | $328K | 0.45% | 2.61% | 0.06% |
Loan mix (Q2 2026): real estate $29.8M · commercial $3.8M · consumer $2.3M · securities $46.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 19.1% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 62.9% | 79th |
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.
3 branches in 2 counties across 1 state (+0 vs 2025) · $94.7M branch deposits. Biggest market: Coffey, KS, ranked 3rd with 20.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Coffey, KS | 2 | $86.1M | 20.26% | 3rd |
| Osage, KS | 1 | $8.6M | 2.20% | 7th |
Kansas: 177th with 0.08% · Topeka metro: 35th, 0.10% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (20 bps of assets, 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).