| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.4% | +5.0 pts |
| Deposit growth (YoY) | +10.2% | +4.0% | +6.3 pts |
| Loan growth (YoY) | +4.6% | +5.6% | -1.0 pts |
| ROA | 1.48% | 1.24% | +0.2 pts |
| ROE | 16.1% | 11.9% | +4.2 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $345.3M | $311.6M | $257.6M | $32.1M | $2.5M | 1.48% | 4.66% | 1.59% |
| Q1 2026 | $342.7M | $309.9M | $260.7M | $31.1M | $1.3M | 1.50% | 4.63% | 1.73% |
| Q4 2025 | $324.3M | $292.4M | $257.6M | $30.1M | $3.8M | 1.20% | 4.66% | 1.96% |
| Q3 2025 | $309.1M | $277.9M | $256.9M | $29.2M | $2.6M | 1.14% | 4.61% | 2.53% |
| Q2 2025 | $315.8M | $282.8M | $246.3M | $28.5M | $1.7M | 1.13% | 4.57% | 2.47% |
| Q1 2025 | $310.0M | $277.4M | $239.3M | $27.8M | $930K | 1.21% | 4.50% | 2.60% |
| Q4 2024 | $302.7M | $270.9M | $238.2M | $27.1M | $3.0M | 1.06% | 4.66% | 2.64% |
| Q3 2024 | $292.6M | $261.2M | $240.0M | $26.8M | $2.5M | 1.18% | 4.65% | 2.81% |
Loan mix (Q2 2026): real estate $166.8M · commercial $37.9M · consumer $13.7M · securities $27.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 62.9% | 20th |
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.
9 branches in 4 counties across 1 state (+0 vs 2025) · $311.6M branch deposits. Biggest market: Anderson, KS, ranked 1st with 51.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Anderson, KS | 3 | $148.6M | 51.02% | 1st |
| Crawford, KS | 3 | $79.8M | 7.02% | 5th |
| Franklin, KS | 2 | $46.4M | 6.20% | 9th |
| 1 more county with Pro → | ||||
Kansas: 86th with 0.26% ·
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9 · 2026 9
Technology spend in line with peers (17 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).