| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.5% | +1.6 pts |
| Deposit growth (YoY) | +7.7% | +5.1% | +2.6 pts |
| Loan growth (YoY) | +15.2% | +5.9% | +9.2 pts |
| ROA | 1.52% | 1.26% | +0.3 pts |
| ROE | 12.6% | 12.2% | +0.4 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.05B | $851.1M | $720.5M | $128.7M | $8.0M | 1.52% | 4.26% | 0.10% |
| Q1 2026 | $1.07B | $870.6M | $707.0M | $124.5M | $3.5M | 1.34% | 4.17% | 0.19% |
| Q4 2025 | $1.02B | $823.3M | $698.8M | $127.2M | $12.8M | 1.29% | 4.06% | 0.23% |
| Q3 2025 | $981.2M | $785.5M | $639.2M | $123.5M | $9.6M | 1.30% | 4.00% | 0.34% |
| Q2 2025 | $983.6M | $790.2M | $625.7M | $118.5M | $6.2M | 1.26% | 3.94% | 0.12% |
| Q1 2025 | $966.9M | $781.6M | $606.4M | $114.5M | $2.8M | 1.16% | 3.85% | 0.13% |
| Q4 2024 | $984.4M | $774.4M | $623.9M | $109.1M | $8.6M | 0.88% | 3.55% | 0.26% |
| Q3 2024 | $972.2M | $761.1M | $580.2M | $110.2M | $6.6M | 0.90% | 3.51% | 0.18% |
Loan mix (Q2 2026): real estate $356.6M · commercial $130.7M · consumer $15.7M · securities $267.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.26% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 12.2% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 59.0% | 31st |
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.
15 branches in 10 counties across 2 states (+0 vs 2024) · $790.2M branch deposits. Biggest market: Crawford, KS, ranked 1st with 27.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crawford, KS | 4 | $296.1M | 27.73% | 1st |
| Brown, KS | 2 | $116.7M | 30.14% | 1st |
| Woodson, KS | 1 | $96.1M | 92.12% | 1st |
| 7 more counties with Pro → | ||||
Kansas: 41st with 0.59% · Colorado: 119th with 0.06% · Topeka metro: 24th, 0.74% ·
Branch count: 2022 16 · 2023 16 · 2024 15 · 2025 15