| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.0% | -1.9 pts |
| Deposit growth (YoY) | -1.0% | +2.5% | -3.5 pts |
| Loan growth (YoY) | +39.9% | +2.6% | +37.3 pts |
| ROA | 1.06% | 0.99% | +0.1 pts |
| ROE | 5.9% | 8.1% | -2.1 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.4M | $21.5M | $9.7M | $4.7M | $139K | 1.06% | 3.80% | 3.26% |
| Q1 2026 | $26.7M | $19.7M | $13.3M | $4.7M | $62K | 0.95% | 3.98% | 3.22% |
| Q4 2025 | $25.7M | $19.3M | $12.0M | $4.6M | $158K | 0.62% | 3.53% | 3.36% |
| Q3 2025 | $26.9M | $22.2M | $8.2M | $4.6M | $167K | 0.88% | 3.50% | 0.00% |
| Q2 2025 | $26.1M | $21.8M | $7.0M | $4.2M | $101K | 0.82% | 3.51% | 0.02% |
| Q1 2025 | $24.3M | $18.7M | $10.1M | $4.3M | $43K | 0.72% | 3.58% | 0.02% |
| Q4 2024 | $23.7M | $19.5M | $9.4M | $4.1M | $217K | 0.85% | 3.62% | 0.00% |
| Q3 2024 | $25.7M | $21.1M | $6.8M | $4.5M | $260K | 1.33% | 3.61% | 0.00% |
Loan mix (Q2 2026): real estate $3.3M · commercial $426K · consumer $578K · securities $11.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.99% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 8.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.7% | 70.8% | 45th |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $21.5M branch deposits. Biggest market: Cotton, OK, ranked 2nd with 27.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cotton, OK | 1 | $21.5M | 27.59% | 2nd |
Oklahoma: 232nd with 0.01% · Lawton metro: 15th, 0.64% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
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).