| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.4% | +4.9% | +10.5 pts |
| Deposit growth (YoY) | +11.3% | +4.3% | +7.0 pts |
| Loan growth (YoY) | -3.2% | +5.3% | -8.6 pts |
| ROA | 0.82% | 1.28% | -0.5 pts |
| ROE | 5.3% | 12.5% | -7.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $983.0M | $383.9M | $527.2M | $165.4M | $4.4M | 0.82% | 3.30% | 0.43% |
| Q1 2026 | $1.16B | $390.6M | $530.0M | $167.1M | $2.2M | 0.77% | 3.10% | 0.39% |
| Q4 2025 | $1.07B | $451.6M | $530.8M | $164.7M | $8.7M | 0.89% | 3.61% | 0.43% |
| Q3 2025 | $987.5M | $411.8M | $533.8M | $162.3M | $6.2M | 0.88% | 3.69% | 0.49% |
| Q2 2025 | $851.6M | $344.8M | $544.8M | $162.8M | $4.3M | 0.92% | 3.77% | 0.59% |
| Q1 2025 | $1.00B | $371.5M | $575.4M | $160.9M | $2.4M | 0.98% | 3.60% | 0.84% |
| Q4 2024 | $952.2M | $337.3M | $661.3M | $156.5M | $8.4M | 0.88% | 3.59% | 0.42% |
| Q3 2024 | $920.6M | $361.8M | $631.2M | $158.4M | $6.3M | 0.87% | 3.55% | 0.18% |
Loan mix (Q2 2026): real estate $410.4M · commercial $33.1M · consumer $0 · securities $64.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.28% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 12.5% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 61.1% | 90th |
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.
Technology spend up 25% 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).
5 branches in 5 counties across 5 states (+0 vs 2025) · $383.9M branch deposits. Biggest market: East Baton Rouge, LA, ranked 20th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| East Baton Rouge, LA | 1 | $117.6M | 0.50% | 20th |
| Pulaski, AR | 1 | $115.2M | 0.38% | 26th |
| Jefferson, AL | 1 | $111.8M | 0.23% | 33rd |
| 2 more counties with Pro → | ||||
Louisiana: 127th with 0.08% · Arkansas: 96th with 0.10% · Alabama: 140th with 0.06% · Florida: 272nd with 0.00% · Mississippi: 153rd with 0.00% · Baton Rouge metro: 34th, 0.37% · Little Rock-North Little Rock-Conway metro: 31st, 0.29% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5