| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +5.5% | -1.8 pts |
| Deposit growth (YoY) | +7.4% | +5.1% | +2.3 pts |
| Loan growth (YoY) | +4.6% | +5.9% | -1.3 pts |
| ROA | 1.25% | 1.26% | -0.0 pts |
| ROE | 12.0% | 12.2% | -0.2 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.05B | $1.74B | $1.55B | $217.8M | $12.8M | 1.25% | 3.96% | 0.24% |
| Q1 2026 | $2.01B | $1.76B | $1.51B | $211.3M | $6.9M | 1.35% | 3.90% | 0.29% |
| Q4 2025 | $2.06B | $1.74B | $1.50B | $207.8M | $25.3M | 1.27% | 3.78% | 0.28% |
| Q3 2025 | $2.00B | $1.69B | $1.48B | $204.3M | $19.4M | 1.31% | 3.74% | 0.37% |
| Q2 2025 | $1.98B | $1.62B | $1.48B | $196.4M | $12.2M | 1.24% | 3.68% | 0.37% |
| Q1 2025 | $1.96B | $1.63B | $1.46B | $190.1M | $6.0M | 1.22% | 3.62% | 0.37% |
| Q4 2024 | $1.95B | $1.58B | $1.46B | $186.0M | $21.3M | 1.12% | 3.49% | 0.46% |
| Q3 2024 | $1.89B | $1.55B | $1.43B | $180.7M | $14.8M | 1.05% | 3.46% | 0.61% |
Loan mix (Q2 2026): real estate $1.28B · commercial $229.7M · consumer $54.7M · securities $264.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.26% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 12.2% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 59.0% | 56th |
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.
22 branches in 7 counties across 2 states (+0 vs 2024) · $1.62B branch deposits. Biggest market: Garrett, MD, ranked 1st with 53.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Garrett, MD | 5 | $536.5M | 53.80% | 1st |
| Allegany, MD | 2 | $275.6M | 15.97% | 1st |
| Frederick, MD | 3 | $217.8M | 2.79% | 12th |
| 4 more counties with Pro → | ||||
Maryland: 25th with 0.50% · West Virginia: 21st with 0.85% · Hagerstown-Martinsburg metro: 8th, 5.00% · Washington-Arlington-Alexandria metro: 80th, 0.06% ·
Branch count: 2022 26 · 2023 26 · 2024 22 · 2025 22