| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +1.2% | +5.6% | -4.4 pts |
| ROA | 0.96% | 1.24% | -0.3 pts |
| ROE | 6.7% | 11.9% | -5.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $131.4M | $111.6M | $88.1M | $19.3M | $633K | 0.96% | 3.44% | 0.50% |
| Q1 2026 | $133.1M | $113.8M | $87.0M | $18.9M | $246K | 0.75% | 3.45% | 0.49% |
| Q4 2025 | $130.2M | $111.2M | $86.6M | $18.7M | $856K | 0.67% | 2.99% | 0.70% |
| Q3 2025 | $126.1M | $104.8M | $88.7M | $18.4M | $684K | 0.72% | 2.94% | 0.48% |
| Q2 2025 | $127.2M | $106.5M | $87.1M | $17.8M | $406K | 0.64% | 2.77% | 0.56% |
| Q1 2025 | $127.8M | $107.5M | $84.2M | $17.6M | $195K | 0.62% | 2.56% | 0.64% |
| Q4 2024 | $124.6M | $103.7M | $85.3M | $17.2M | $336K | 0.27% | 2.37% | 0.61% |
| Q3 2024 | $124.4M | $101.2M | $85.2M | $17.3M | $252K | 0.27% | 2.34% | 0.63% |
Loan mix (Q2 2026): real estate $75.6M · commercial $4.4M · consumer $3.9M · securities $28.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.24% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 62.9% | 54th |
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.
Spends 1.7× the peer median on technology. 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).
2 branches in 1 county across 1 state (+0 vs 2025) · $111.6M branch deposits. Biggest market: Carroll, MO, ranked 2nd with 22.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Carroll, MO | 2 | $111.6M | 22.59% | 2nd |
Missouri: 221st with 0.04% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2