| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +4.9% | -4.5 pts |
| Deposit growth (YoY) | -2.0% | +4.3% | -6.4 pts |
| Loan growth (YoY) | +0.2% | +5.3% | -5.1 pts |
| ROA | 1.45% | 1.28% | +0.2 pts |
| ROE | 24.6% | 12.4% | +12.2 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $591.4M | $525.0M | $396.5M | $36.1M | $4.3M | 1.45% | 3.94% | 0.17% |
| Q1 2026 | $605.6M | $540.6M | $400.6M | $35.4M | $2.1M | 1.39% | 3.81% | 0.19% |
| Q4 2025 | $594.0M | $544.8M | $400.4M | $34.1M | $6.7M | 1.15% | 3.64% | 0.11% |
| Q3 2025 | $589.9M | $527.3M | $396.9M | $32.3M | $5.0M | 1.13% | 3.58% | 0.12% |
| Q2 2025 | $589.2M | $536.0M | $395.6M | $28.5M | $3.1M | 1.06% | 3.51% | 0.14% |
| Q1 2025 | $584.3M | $541.9M | $385.7M | $28.2M | $1.4M | 0.98% | 3.39% | 0.15% |
| Q4 2024 | $573.3M | $533.7M | $380.9M | $25.2M | $5.0M | 0.89% | 3.12% | 0.12% |
| Q3 2024 | $582.5M | $512.4M | $378.3M | $30.2M | $3.4M | 0.81% | 3.03% | 0.12% |
Loan mix (Q2 2026): real estate $314.7M · commercial $65.0M · consumer $5.3M · securities $136.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.28% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 24.6% | 12.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 61.2% | 63rd |
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 4 counties across 1 state (+0 vs 2024) · $536.0M branch deposits. Biggest market: Hopkins, KY, ranked 1st with 30.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hopkins, KY | 3 | $331.0M | 30.88% | 1st |
| Ohio, KY | 1 | $135.7M | 30.81% | 1st |
| Daviess, KY | 2 | $55.8M | 1.57% | 13th |
| 1 more county with Pro → | ||||
Kentucky: 51st with 0.39% · Owensboro metro: 15th, 1.47% ·
Branch count: 2022 6 · 2023 7 · 2024 7 · 2025 7