| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.2% | +4.4% | +24.8 pts |
| Deposit growth (YoY) | +33.9% | +4.0% | +30.0 pts |
| Loan growth (YoY) | +33.9% | +5.6% | +28.3 pts |
| ROA | 2.89% | 1.24% | +1.6 pts |
| ROE | 29.9% | 11.9% | +18.0 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $216.9M | $195.3M | $188.1M | $20.7M | $3.0M | 2.89% | 5.14% | 0.33% |
| Q1 2026 | $198.0M | $177.4M | $169.7M | $19.8M | $1.2M | 2.47% | 5.00% | 0.36% |
| Q4 2025 | $201.6M | $181.4M | $158.0M | $19.1M | $3.9M | 2.14% | 4.66% | 0.35% |
| Q3 2025 | $185.6M | $165.5M | $148.4M | $18.9M | $2.7M | 2.08% | 4.62% | 0.38% |
| Q2 2025 | $167.9M | $145.8M | $140.5M | $18.2M | $1.7M | 1.98% | 4.46% | 0.60% |
| Q1 2025 | $164.8M | $146.2M | $133.6M | $17.7M | $796K | 1.84% | 4.33% | 0.61% |
| Q4 2024 | $181.2M | $162.8M | $141.5M | $17.2M | $2.6M | 1.60% | 3.79% | 0.55% |
| Q3 2024 | $170.7M | $148.8M | $131.7M | $17.8M | $2.0M | 1.65% | 3.60% | 0.00% |
Loan mix (Q2 2026): real estate $110.1M · commercial $18.3M · consumer $2.1M · securities $8.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.89% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 29.9% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.3% | 62.9% | 10th |
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 2 counties across 1 state (+0 vs 2025) · $195.3M branch deposits. Biggest market: Floyd, TX, ranked 1st with 56.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Floyd, TX | 1 | $182.6M | 56.91% | 1st |
| Grayson, TX | 1 | $12.6M | 0.29% | 19th |
Texas: 408th with 0.01% · Sherman-Denison metro: 19th, 0.29% ·
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (15 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
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).