| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.5% | -0.7 pts |
| Deposit growth (YoY) | +4.2% | +5.1% | -0.8 pts |
| Loan growth (YoY) | +9.5% | +5.9% | +3.6 pts |
| ROA | 1.81% | 1.26% | +0.5 pts |
| ROE | 17.7% | 12.2% | +5.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.93B | $1.71B | $1.63B | $193.5M | $17.1M | 1.81% | 5.35% | 1.23% |
| Q1 2026 | $1.90B | $1.68B | $1.59B | $195.6M | $8.4M | 1.80% | 5.35% | 1.38% |
| Q4 2025 | $1.85B | $1.64B | $1.56B | $191.3M | $31.1M | 1.73% | 5.43% | 1.37% |
| Q3 2025 | $1.84B | $1.63B | $1.49B | $184.3M | $23.2M | 1.73% | 5.38% | 1.04% |
| Q2 2025 | $1.84B | $1.64B | $1.49B | $179.0M | $14.0M | 1.58% | 5.24% | 1.02% |
| Q1 2025 | $1.77B | $1.57B | $1.40B | $176.7M | $5.9M | 1.35% | 5.13% | 1.13% |
| Q4 2024 | $1.73B | $1.53B | $1.41B | $173.4M | $23.6M | 1.40% | 5.25% | 0.57% |
| Q3 2024 | $1.70B | $1.51B | $1.37B | $170.5M | $17.7M | 1.41% | 5.24% | 1.04% |
Loan mix (Q2 2026): real estate $1.12B · commercial $374.9M · consumer $43.7M · securities $99.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.26% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 12.2% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.35% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 59.0% | 69th |
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.
24 branches in 18 counties across 2 states (+0 vs 2024) · $1.64B branch deposits. Biggest market: Beckham, OK, ranked 1st with 31.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beckham, OK | 3 | $343.7M | 31.76% | 1st |
| Tarrant, TX | 2 | $233.5M | 0.32% | 38th |
| Canadian, OK | 2 | $187.5M | 5.39% | 5th |
| 15 more counties with Pro → | ||||
Oklahoma: 21st with 0.83% · Texas: 296th with 0.02% · Oklahoma City metro: 31st, 0.61% · Dallas-Fort Worth-Arlington metro: 101st, 0.05% ·
Branch count: 2022 22 · 2023 23 · 2024 24 · 2025 24