| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.4% | -4.7 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.6 pts |
| Loan growth (YoY) | -1.1% | +5.6% | -6.7 pts |
| ROA | 1.24% | 1.24% | -0.0 pts |
| ROE | 10.9% | 11.9% | -0.9 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155.1M | $132.5M | $111.3M | $18.1M | $967K | 1.24% | 3.97% | 0.62% |
| Q1 2026 | $156.5M | $132.4M | $106.4M | $17.7M | $480K | 1.22% | 3.86% | 0.60% |
| Q4 2025 | $157.1M | $132.5M | $106.5M | $17.3M | $988K | 0.63% | 3.31% | 0.46% |
| Q3 2025 | $160.1M | $133.5M | $108.2M | $17.0M | $679K | 0.58% | 3.25% | 0.29% |
| Q2 2025 | $155.7M | $129.5M | $112.6M | $16.7M | $320K | 0.41% | 3.11% | 1.02% |
| Q1 2025 | $156.0M | $128.3M | $112.5M | $16.6M | $152K | 0.39% | 2.97% | 0.44% |
| Q4 2024 | $157.4M | $129.6M | $115.1M | $16.4M | $316K | 0.20% | 2.89% | 0.71% |
| Q3 2024 | $161.2M | $132.5M | $115.9M | $16.4M | $167K | 0.14% | 2.87% | 0.62% |
Loan mix (Q2 2026): real estate $109.6M · commercial $1.8M · consumer $1.3M · securities $26.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 62.9% | 73rd |
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.
Graham Savings and Loan, SSB is in an open deal as the target: Legend Bank, National Association: internal reorganization (pending, filed Oct 14, 2026). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Oct 14, 2026 | Target | Legend Bank, National Association | Reorganization | Pending | OCC |
| Aug 24, 2026 | Target | Legend Bancorp, Inc. | Acquisition | Approved | Federal Reserve |
| Aug 24, 2026 | Target | Legend Bancorp, Inc. | Acquisition | Approved | Federal Reserve |
3 branches in 3 counties across 1 state (+0 vs 2025) · $132.5M branch deposits. Biggest market: Young, TX, ranked 4th with 10.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Young, TX | 1 | $89.5M | 10.54% | 4th |
| Palo Pinto, TX | 1 | $22.5M | 1.49% | 6th |
| Stephens, TX | 1 | $20.5M | 5.44% | 3rd |
Texas: 476th with 0.01% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Spends 2.6× the peer median on technology. 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).