| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +2.4% | +5.6% | -3.2 pts |
| ROA | 2.05% | 1.24% | +0.8 pts |
| ROE | 21.3% | 11.9% | +9.4 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.7M | $200.2M | $124.5M | $22.7M | $2.3M | 2.05% | 4.68% | 0.49% |
| Q1 2026 | $227.2M | $203.8M | $114.5M | $22.0M | $1.4M | 2.34% | 4.85% | 0.77% |
| Q4 2025 | $234.7M | $211.8M | $106.8M | $21.3M | $3.7M | 1.63% | 4.57% | 0.60% |
| Q3 2025 | $223.3M | $196.9M | $117.9M | $24.2M | $3.1M | 1.90% | 4.66% | 0.54% |
| Q2 2025 | $220.8M | $196.0M | $121.6M | $23.0M | $2.1M | 1.93% | 4.67% | 0.25% |
| Q1 2025 | $218.0M | $194.5M | $111.1M | $22.1M | $1.2M | 2.24% | 4.91% | 0.29% |
| Q4 2024 | $220.1M | $197.9M | $100.3M | $20.7M | $3.7M | 1.75% | 4.68% | 0.21% |
| Q3 2024 | $207.2M | $183.1M | $110.8M | $21.9M | $3.3M | 2.09% | 4.87% | 0.21% |
Loan mix (Q2 2026): real estate $68.9M · commercial $8.5M · consumer $9.5M · securities $52.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 21.3% | 11.9% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 62.9% | 37th |
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.
4 branches in 1 county across 1 state (+0 vs 2025) · $200.2M branch deposits. Biggest market: Franklin, LA, ranked 2nd with 33.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, LA | 4 | $200.2M | 33.35% | 2nd |
Louisiana: 103rd with 0.13% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (13 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).