| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.9% | +3.6 pts |
| Deposit growth (YoY) | +6.1% | +4.3% | +1.8 pts |
| Loan growth (YoY) | +9.8% | +5.3% | +4.4 pts |
| ROA | 1.85% | 1.28% | +0.6 pts |
| ROE | 17.0% | 12.4% | +4.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $659.0M | $558.7M | $481.1M | $73.5M | $6.0M | 1.85% | 4.50% | 3.61% |
| Q1 2026 | $644.5M | $541.9M | $462.0M | $69.7M | $2.9M | 1.78% | 4.41% | 2.98% |
| Q4 2025 | $642.0M | $556.5M | $455.7M | $69.1M | $10.6M | 1.71% | 4.49% | 2.52% |
| Q3 2025 | $629.6M | $547.0M | $449.7M | $65.3M | $7.4M | 1.62% | 4.45% | 1.34% |
| Q2 2025 | $607.5M | $526.5M | $438.2M | $61.0M | $4.2M | 1.39% | 4.48% | 1.13% |
| Q1 2025 | $594.3M | $519.5M | $433.4M | $60.4M | $2.4M | 1.56% | 4.57% | 0.19% |
| Q4 2024 | $616.1M | $524.3M | $437.9M | $63.5M | $11.6M | 1.92% | 4.28% | 1.01% |
| Q3 2024 | $619.7M | $508.7M | $444.3M | $65.6M | $8.7M | 1.95% | 4.25% | 1.47% |
Loan mix (Q2 2026): real estate $292.6M · commercial $80.9M · consumer $10.9M · securities $120.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.28% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 12.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 61.2% | 28th |
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.
7 branches in 5 counties across 1 state (+0 vs 2024) · $526.5M branch deposits. Biggest market: Pemiscot, MO, ranked 1st with 65.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pemiscot, MO | 2 | $321.0M | 65.40% | 1st |
| Scott, MO | 1 | $94.7M | 8.17% | 5th |
| New Madrid, MO | 2 | $67.5M | 15.68% | 4th |
| 2 more counties with Pro → | ||||
Missouri: 77th with 0.18% ·
Branch count: 2022 6 · 2023 7 · 2024 7 · 2025 7
First State Bank and Trust Company, Inc. is in an open deal as the acquirer: First State Bank and Trust Company, Inc. to acquire Senath State Bank (approved, filed May 2, 2026). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jun 9, 2026 | Acquirer | Senath State Bank | Merger | Approved | Federal Reserve |