| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +4.9% | +7.0 pts |
| Deposit growth (YoY) | +11.0% | +4.3% | +6.7 pts |
| Loan growth (YoY) | +4.2% | +5.3% | -1.1 pts |
| ROA | 3.02% | 1.28% | +1.7 pts |
| ROE | 15.1% | 12.5% | +2.6 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $503.4M | $389.3M | $301.5M | $101.6M | $7.5M | 3.02% | 3.57% | 0.64% |
| Q1 2026 | $495.7M | $389.0M | $299.3M | $97.9M | $1.3M | 1.08% | 3.49% | 0.53% |
| Q4 2025 | $481.5M | $373.3M | $300.3M | $97.2M | $6.9M | 1.52% | 3.49% | 0.75% |
| Q3 2025 | $458.4M | $356.9M | $295.4M | $94.2M | $5.0M | 1.50% | 3.49% | 0.87% |
| Q2 2025 | $449.8M | $350.6M | $289.2M | $90.5M | $2.2M | 0.99% | 3.48% | 0.85% |
| Q1 2025 | $442.0M | $347.0M | $289.0M | $89.2M | $-571K | -0.52% | 3.45% | 0.70% |
| Q4 2024 | $435.7M | $332.7M | $287.6M | $88.8M | $5.6M | 1.30% | 3.38% | 0.81% |
| Q3 2024 | $430.9M | $327.6M | $283.4M | $88.9M | $4.0M | 1.24% | 3.37% | 0.90% |
Loan mix (Q2 2026): real estate $278.3M · commercial $5.9M · consumer $20.4M · securities $160.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.02% | 1.28% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 12.5% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 61.1% | 59th |
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.
10 branches in 4 counties across 2 states (+0 vs 2025) · $389.3M branch deposits. Biggest market: McKean, PA, ranked 2nd with 31.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McKean, PA | 7 | $341.3M | 31.89% | 2nd |
| Cattaraugus, NY | 1 | $21.7M | 1.07% | 10th |
| Elk, PA | 1 | $19.0M | 2.20% | 6th |
| 1 more county with Pro → | ||||
Pennsylvania: 123rd with 0.06% · New York: 350th with 0.00% ·
Branch count: 2022 8 · 2023 8 · 2024 9 · 2025 10 · 2026 10
Technology spend down 21% in 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).