| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.4% | -4.8 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.5 pts |
| Loan growth (YoY) | -2.2% | +5.6% | -7.8 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 7.0% | 11.9% | -4.9 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $130.7M | $109.2M | $56.5M | $19.8M | $680K | 1.05% | 3.98% | 0.94% |
| Q1 2026 | $129.4M | $108.2M | $60.6M | $19.5M | $351K | 1.08% | 4.02% | 1.08% |
| Q4 2025 | $130.2M | $109.1M | $60.4M | $19.4M | $1.4M | 1.06% | 3.83% | 0.98% |
| Q3 2025 | $126.9M | $105.6M | $59.2M | $19.4M | $1.0M | 1.06% | 3.78% | 0.57% |
| Q2 2025 | $131.3M | $108.6M | $57.8M | $18.4M | $604K | 0.93% | 3.70% | 0.50% |
| Q1 2025 | $133.7M | $111.6M | $58.6M | $17.8M | $301K | 0.93% | 3.71% | 0.62% |
| Q4 2024 | $126.2M | $105.0M | $60.9M | $16.9M | $1.1M | 0.85% | 3.58% | 0.44% |
| Q3 2024 | $125.8M | $103.1M | $60.0M | $18.1M | $781K | 0.82% | 3.55% | 0.79% |
Loan mix (Q2 2026): real estate $42.5M · commercial $5.5M · consumer $7.2M · securities $50.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 62.9% | 59th |
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.
5 branches in 4 counties across 1 state (+0 vs 2024) · $108.6M branch deposits. Biggest market: Lamar, AL, ranked 5th with 9.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lamar, AL | 1 | $44.9M | 9.36% | 5th |
| Marion, AL | 2 | $35.6M | 3.34% | 7th |
| Tuscaloosa, AL | 1 | $17.0M | 0.33% | 27th |
| 1 more county with Pro → | ||||
Alabama: 138th with 0.07% · Tuscaloosa metro: 32nd, 0.28% · Huntsville metro: 45th, 0.07% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5