| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.0% | -3.4 pts |
| Deposit growth (YoY) | -0.2% | +2.5% | -2.7 pts |
| Loan growth (YoY) | +0.3% | +2.6% | -2.3 pts |
| ROA | 0.38% | 0.99% | -0.6 pts |
| ROE | 2.7% | 8.1% | -5.4 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 | $40.5M | $33.9M | $32.5M | $5.7M | $76K | 0.38% | 3.67% | 0.23% |
| Q1 2026 | $39.6M | $33.1M | $31.4M | $5.7M | $24K | 0.24% | 3.60% | 0.62% |
| Q4 2025 | $40.4M | $33.7M | $31.0M | $5.7M | $126K | 0.31% | 3.66% | 0.64% |
| Q3 2025 | $40.0M | $33.2M | $31.7M | $5.6M | $84K | 0.28% | 3.65% | 0.58% |
| Q2 2025 | $40.6M | $34.0M | $32.4M | $5.5M | $21K | 0.10% | 3.65% | 0.38% |
| Q1 2025 | $40.9M | $34.3M | $32.9M | $5.5M | $-30K | -0.29% | 3.59% | 0.23% |
| Q4 2024 | $41.0M | $34.2M | $32.8M | $5.5M | $101K | 0.25% | 3.10% | 0.88% |
| Q3 2024 | $41.8M | $34.8M | $32.8M | $5.5M | $117K | 0.38% | 3.05% | 0.57% |
Loan mix (Q2 2026): real estate $30.9M · commercial $207K · consumer $1.9M · securities $600K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.99% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 8.1% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 70.8% | 81st |
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) · $33.9M branch deposits. Biggest market: Bamberg, SC, ranked 4th with 9.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bamberg, SC | 1 | $33.9M | 9.65% | 4th |
South Carolina: 115th with 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1