| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.5% | +3.6 pts |
| Deposit growth (YoY) | +7.4% | +5.1% | +2.3 pts |
| Loan growth (YoY) | +11.5% | +5.9% | +5.6 pts |
| ROA | 1.11% | 1.26% | -0.2 pts |
| ROE | 13.0% | 12.2% | +0.8 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.86B | $3.31B | $2.77B | $325.4M | $20.7M | 1.11% | 7.03% | 1.26% |
| Q1 2026 | $3.71B | $3.24B | $2.58B | $315.4M | $8.3M | 0.91% | 6.91% | 1.32% |
| Q4 2025 | $3.63B | $3.15B | $2.54B | $311.0M | $40.2M | 1.15% | 7.19% | 1.03% |
| Q3 2025 | $3.51B | $3.05B | $2.50B | $302.4M | $31.8M | 1.23% | 7.19% | 1.28% |
| Q2 2025 | $3.53B | $3.08B | $2.48B | $292.0M | $22.3M | 1.30% | 7.09% | 1.65% |
| Q1 2025 | $3.42B | $2.97B | $2.39B | $279.3M | $10.0M | 1.18% | 6.95% | 1.75% |
| Q4 2024 | $3.37B | $2.93B | $2.36B | $266.5M | $7.5M | 0.23% | 7.21% | 1.59% |
| Q3 2024 | $3.31B | $2.85B | $2.35B | $279.4M | $13.1M | 0.54% | 7.23% | 2.09% |
Loan mix (Q2 2026): real estate $1.45B · commercial $1.30B · consumer $59.2M · securities $760.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.26% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.2% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.03% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 59.0% | 82nd |
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.
22 branches in 7 counties across 2 states (+1 vs 2024) · $3.08B branch deposits. Biggest market: Jefferson, LA, ranked 5th with 7.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, LA | 7 | $1.06B | 7.16% | 5th |
| Orleans, LA | 5 | $761.5M | 3.78% | 5th |
| St. Tammany, LA | 4 | $452.7M | 5.12% | 7th |
| 4 more counties with Pro → | ||||
Louisiana: 10th with 1.89% · Florida: 145th with 0.03% · New Orleans-Metairie metro: 5th, 5.44% · Slidell-Mandeville-Covington metro: 7th, 5.12% ·
Branch count: 2022 20 · 2023 20 · 2024 21 · 2025 22