| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.9% | +3.3 pts |
| Deposit growth (YoY) | +9.8% | +4.3% | +5.4 pts |
| Loan growth (YoY) | +6.3% | +5.3% | +1.0 pts |
| ROA | 0.85% | 1.28% | -0.4 pts |
| ROE | 9.4% | 12.4% | -3.0 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $608.9M | $547.9M | $451.3M | $55.0M | $2.5M | 0.85% | 3.92% | 0.25% |
| Q1 2026 | $591.1M | $530.1M | $447.9M | $53.2M | $1.2M | 0.80% | 3.88% | 0.24% |
| Q4 2025 | $570.6M | $512.9M | $432.4M | $52.8M | $4.6M | 0.81% | 3.63% | 0.21% |
| Q3 2025 | $584.6M | $516.9M | $431.7M | $50.7M | $3.2M | 0.75% | 3.58% | 0.19% |
| Q2 2025 | $562.8M | $499.2M | $424.5M | $48.9M | $1.9M | 0.69% | 3.53% | 0.14% |
| Q1 2025 | $567.6M | $498.7M | $430.9M | $47.8M | $799K | 0.57% | 3.42% | 0.16% |
| Q4 2024 | $560.9M | $485.8M | $429.8M | $47.1M | $2.6M | 0.48% | 3.23% | 0.21% |
| Q3 2024 | $548.3M | $477.2M | $416.4M | $47.9M | $1.7M | 0.42% | 3.16% | 0.19% |
Loan mix (Q2 2026): real estate $420.9M · commercial $20.3M · consumer $14.4M · securities $93.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.28% | — | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.89% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% |
Peer lists, growth filters, CSV export, CRM push.
| 61.2% |
| — |
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.
7 branches in 5 counties across 2 states (+0 vs 2024) · $499.2M branch deposits. Biggest market: Harlan, KY, ranked 1st with 39.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harlan, KY | 2 | $202.8M | 39.37% | 1st |
| Claiborne, TN | 2 | $134.2M | 11.15% | 3rd |
| Bell, KY | 1 | $107.6M | 20.18% | 3rd |
| 2 more counties with Pro → | ||||
Kentucky: 79th with 0.23% · Tennessee: 139th with 0.07% · Knoxville metro: 44th, 0.16% ·
Branch count: 2022 6 · 2023 6 · 2024 7 · 2025 7