| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +3.2% | +5.6% | -2.4 pts |
| ROA | 0.30% | 1.24% | -0.9 pts |
| ROE | 2.3% | 11.9% | -9.5 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $102.2M | $83.4M | $59.8M | $13.1M | $154K | 0.30% | 2.70% | 0.06% |
| Q1 2026 | $102.8M | $83.7M | $58.4M | $13.2M | $86K | 0.34% | 2.64% | 0.07% |
| Q4 2025 | $102.0M | $82.9M | $57.7M | $13.2M | $8K | 0.01% | 2.26% | 0.42% |
| Q3 2025 | $102.7M | $83.7M | $58.6M | $13.0M | $-116K | -0.15% | 2.13% | 0.83% |
| Q2 2025 | $101.9M | $83.1M | $57.9M | $12.9M | $-78K | -0.15% | 2.06% | 0.84% |
| Q1 2025 | $101.6M | $82.7M | $55.5M | $13.0M | $-54K | -0.21% | 2.00% | 0.13% |
| Q4 2024 | $101.5M | $82.6M | $54.2M | $13.0M | $-249K | -0.24% | 2.04% | 0.09% |
| Q3 2024 | $105.4M | $83.9M | $55.1M | $13.1M | $-185K | -0.24% | 2.04% | 0.09% |
Loan mix (Q2 2026): real estate $59.4M · commercial $0 · consumer $852K · securities $32.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 62.9% | 93rd |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $83.4M branch deposits. Biggest market: Gunnison, CO, ranked 6th with 11.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gunnison, CO | 1 | $83.4M | 10.97% | 6th |
Colorado: 144th with 0.04% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (24 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).