| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +24.2% | +4.4% | +19.9 pts |
| Deposit growth (YoY) | +27.4% | +4.0% | +23.5 pts |
| Loan growth (YoY) | +21.2% | +5.6% | +15.6 pts |
| ROA | 2.55% | 1.24% | +1.3 pts |
| ROE | 17.1% | 11.9% | +5.3 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $127.6M | $108.3M | $85.5M | $18.6M | $1.5M | 2.55% | 4.91% | 1.31% |
| Q1 2026 | $119.9M | $101.3M | $82.4M | $18.0M | $657K | 2.22% | 5.02% | 1.59% |
| Q4 2025 | $116.6M | $98.5M | $80.1M | $17.6M | $2.4M | 2.31% | 4.96% | 1.74% |
| Q3 2025 | $108.2M | $89.8M | $77.7M | $17.7M | $2.0M | 2.60% | 4.97% | 1.87% |
| Q2 2025 | $102.7M | $85.0M | $70.5M | $17.2M | $1.3M | 2.56% | 4.78% | 1.78% |
| Q1 2025 | $101.4M | $84.0M | $68.1M | $16.8M | $679K | 2.72% | 4.61% | 1.46% |
| Q4 2024 | $98.5M | $81.8M | $67.9M | $16.3M | $2.0M | 2.07% | 4.51% | 1.53% |
| Q3 2024 | $97.9M | $80.6M | $63.0M | $16.5M | $1.7M | 2.29% | 4.49% | 1.53% |
Loan mix (Q2 2026): real estate $53.9M · commercial $23.4M · consumer $9.6M · securities $28.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.55% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.6% | 62.9% | 5th |
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) · $108.3M branch deposits. Biggest market: Jackson, LA, ranked 2nd with 7.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, LA | 1 | $108.3M | 7.15% | 2nd |
Louisiana: 131st with 0.07% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1