| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +3.0% | +6.7 pts |
| Deposit growth (YoY) | +10.2% | +2.5% | +7.8 pts |
| Loan growth (YoY) | +6.1% | +2.6% | +3.5 pts |
| ROA | 0.55% | 0.99% | -0.4 pts |
| ROE | 4.7% | 8.1% | -3.4 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.3M | $37.8M | $36.9M | $5.2M | $120K | 0.55% | 3.76% | 0.00% |
| Q1 2026 | $43.4M | $35.3M | $36.3M | $5.1M | $27K | 0.25% | 3.65% | 0.00% |
| Q4 2025 | $41.4M | $34.2M | $36.0M | $5.1M | $180K | 0.43% | 3.57% | 0.00% |
| Q3 2025 | $41.2M | $33.5M | $35.6M | $5.0M | $137K | 0.44% | 3.49% | 0.00% |
| Q2 2025 | $41.3M | $34.3M | $34.8M | $4.9M | $75K | 0.36% | 3.39% | 0.00% |
| Q1 2025 | $42.5M | $33.8M | $35.1M | $4.8M | $15K | 0.14% | 3.32% | 0.00% |
| Q4 2024 | $42.4M | $32.5M | $34.8M | $4.7M | $66K | 0.17% | 3.37% | 0.00% |
| Q3 2024 | $39.5M | $32.0M | $31.9M | $4.8M | $21K | 0.07% | 3.39% | 0.00% |
Loan mix (Q2 2026): real estate $37.2M · commercial $0 · consumer $0 · securities $3.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.99% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 8.1% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 70.8% | 70th |
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) · $37.8M branch deposits. Biggest market: Auglaize, OH, ranked 9th with 2.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Auglaize, OH | 1 | $37.8M | 2.57% | 9th |
Ohio: 298th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (34 bps of assets, 2025). 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).