| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +4.9% | +3.0 pts |
| Deposit growth (YoY) | +7.8% | +4.3% | +3.5 pts |
| Loan growth (YoY) | +2.3% | +5.3% | -3.1 pts |
| ROA | 1.90% | 1.28% | +0.6 pts |
| ROE | 14.3% | 12.4% | +1.8 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $754.7M | $653.2M | $532.9M | $97.5M | $6.9M | 1.90% | 4.96% | 0.31% |
| Q1 2026 | $721.4M | $619.0M | $509.4M | $97.9M | $3.3M | 1.87% | 4.92% | 0.33% |
| Q4 2025 | $703.2M | $604.8M | $489.5M | $95.4M | $12.6M | 1.83% | 5.18% | 0.38% |
| Q3 2025 | $711.4M | $615.6M | $505.5M | $92.4M | $8.9M | 1.72% | 5.17% | 0.36% |
| Q2 2025 | $699.2M | $605.7M | $521.2M | $89.6M | $6.2M | 1.84% | 5.08% | 0.83% |
| Q1 2025 | $678.6M | $585.5M | $505.8M | $89.1M | $3.1M | 1.86% | 5.13% | 0.23% |
| Q4 2024 | $650.0M | $560.6M | $492.6M | $86.4M | $12.2M | 1.93% | 5.32% | 0.17% |
| Q3 2024 | $626.0M | $538.4M | $479.8M | $83.9M | $8.9M | 1.90% | 5.36% | 0.25% |
Loan mix (Q2 2026): real estate $488.7M · commercial $47.6M · consumer $3.9M · securities $21.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 1.28% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.4% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.4% | 61.2% | 15th |
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.
11 branches in 6 counties across 1 state (+1 vs 2024) · $605.7M branch deposits. Biggest market: Floyd, GA, ranked 8th with 7.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Floyd, GA | 3 | $188.8M | 7.08% | 8th |
| Murray, GA | 2 | $167.2M | 35.16% | 1st |
| Bartow, GA | 2 | $95.7M | 3.94% | 13th |
| 3 more counties with Pro → | ||||
Georgia: 48th with 0.17% · Dalton metro: 7th, 8.10% · Rome metro: 8th, 7.08% ·
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 11