| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.9% | -0.4 pts |
| Deposit growth (YoY) | +3.2% | +4.3% | -1.2 pts |
| Loan growth (YoY) | +5.5% | +5.3% | +0.2 pts |
| ROA | 1.46% | 1.28% | +0.2 pts |
| ROE | 16.5% | 12.4% | +4.1 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $893.5M | $807.2M | $495.0M | $80.1M | $6.5M | 1.46% | 3.80% | 0.28% |
| Q1 2026 | $884.2M | $799.6M | $492.4M | $77.9M | $3.1M | 1.41% | 3.72% | 0.03% |
| Q4 2025 | $877.2M | $794.6M | $479.9M | $76.6M | $10.5M | 1.24% | 3.50% | 0.07% |
| Q3 2025 | $861.3M | $781.3M | $471.8M | $73.4M | $7.6M | 1.20% | 3.45% | 0.08% |
| Q2 2025 | $855.0M | $782.4M | $469.2M | $66.1M | $4.5M | 1.09% | 3.38% | 0.12% |
| Q1 2025 | $836.5M | $765.9M | $461.5M | $64.4M | $2.0M | 0.98% | 3.26% | 0.10% |
| Q4 2024 | $822.3M | $757.6M | $455.3M | $58.7M | $9.0M | 1.12% | 3.22% | 0.12% |
| Q3 2024 | $820.6M | $749.0M | $455.9M | $64.9M | $7.2M | 1.19% | 3.22% | 0.12% |
Loan mix (Q2 2026): real estate $389.5M · commercial $52.4M · consumer $32.8M · securities $289.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.28% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 12.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 61.2% | 25th |
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 4 counties across 1 state (+0 vs 2024) · $782.4M branch deposits. Biggest market: Jackson, AL, ranked 2nd with 24.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, AL | 4 | $316.6M | 24.69% | 2nd |
| DeKalb, AL | 4 | $211.8M | 21.31% | 3rd |
| Cherokee, AL | 2 | $139.5M | 24.80% | 1st |
| 1 more county with Pro → | ||||
Alabama: 44th with 0.48% ·
Branch count: 2022 10 · 2023 10 · 2024 11 · 2025 11