| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +9.0% | +5.6% | +3.4 pts |
| ROA | 2.17% | 1.24% | +0.9 pts |
| ROE | 26.8% | 11.9% | +14.9 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $183.3M | $166.8M | $152.7M | $15.4M | $2.0M | 2.17% | 4.43% | 0.54% |
| Q1 2026 | $180.6M | $164.6M | $145.0M | $14.9M | $1.0M | 2.21% | 4.43% | 0.01% |
| Q4 2025 | $185.0M | $169.1M | $133.1M | $14.3M | $2.6M | 1.49% | 3.86% | 0.02% |
| Q3 2025 | $180.9M | $165.2M | $132.8M | $14.2M | $2.1M | 1.62% | 3.84% | 0.16% |
| Q2 2025 | $172.5M | $157.6M | $140.2M | $13.7M | $1.3M | 1.52% | 3.87% | 0.17% |
| Q1 2025 | $176.9M | $162.0M | $140.9M | $13.3M | $567K | 1.32% | 3.80% | 0.21% |
| Q4 2024 | $165.9M | $151.3M | $135.0M | $13.0M | $2.5M | 1.52% | 4.01% | 0.06% |
| Q3 2024 | $164.4M | $150.2M | $137.4M | $13.0M | $1.9M | 1.60% | 3.99% | 0.07% |
Loan mix (Q2 2026): real estate $118.1M · commercial $25.4M · consumer $5.9M · securities $8.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 1.24% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 26.8% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 62.9% | 20th |
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.
6 branches in 2 counties across 1 state (+0 vs 2024) · $157.6M branch deposits. Biggest market: Sedgwick, KS, ranked 30th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sedgwick, KS | 3 | $98.3M | 0.44% | 30th |
| Greenwood, KS | 3 | $59.3M | 29.66% | 2nd |
Kansas: 129th with 0.14% · Wichita metro: 43rd, 0.38% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6