| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +3.0% | -2.0 pts |
| Deposit growth (YoY) | -1.2% | +2.5% | -3.7 pts |
| Loan growth (YoY) | +3.7% | +2.6% | +1.1 pts |
| ROA | -0.27% | 0.99% | -1.3 pts |
| ROE | -17.7% | 8.1% | -25.8 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.9M | $84.4M | $30.3M | $1.2M | $-118K | -0.27% | 2.61% | 1.60% |
| Q1 2026 | $88.1M | $86.3M | $28.0M | $1.3M | $-68K | -0.31% | 2.51% | 1.51% |
| Q4 2025 | $85.7M | $83.8M | $28.1M | $1.5M | $-199K | -0.23% | 2.59% | 1.80% |
| Q3 2025 | $84.0M | $82.2M | $29.8M | $1.3M | $-147K | -0.23% | 2.62% | 1.75% |
| Q2 2025 | $86.0M | $85.4M | $29.2M | $114K | $-29K | -0.07% | 2.62% | 1.72% |
| Q1 2025 | $88.1M | $87.4M | $31.3M | $287K | $25K | 0.11% | 2.73% | 1.61% |
| Q4 2024 | $89.0M | $89.0M | $30.2M | $-460K | $2K | 0.00% | 2.72% | 1.60% |
| Q3 2024 | $87.1M | $85.4M | $32.0M | $1.2M | $31K | 0.05% | 2.73% | 1.67% |
Loan mix (Q2 2026): real estate $15.5M · commercial $5.8M · consumer $3.6M · securities $37.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.27% | 0.99% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -17.7% | 8.1% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.3% | 70.8% | 91st |
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.
2 branches in 1 county across 1 state (+0 vs 2024) · $85.4M branch deposits. Biggest market: Randolph, GA, ranked 1st with 59.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Randolph, GA | 2 | $85.4M | 59.24% | 1st |
Georgia: 196th with 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2