| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.0% | +0.1 pts |
| Deposit growth (YoY) | +4.0% | +2.5% | +1.5 pts |
| Loan growth (YoY) | +6.7% | +2.6% | +4.1 pts |
| ROA | 0.22% | 0.99% | -0.8 pts |
| ROE | 1.0% | 8.1% | -7.1 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.9M | $24.7M | $23.2M | $7.1M | $34K | 0.22% | 2.62% | 0.36% |
| Q1 2026 | $31.2M | $24.0M | $22.2M | $7.1M | $19K | 0.25% | 2.60% | 0.52% |
| Q4 2025 | $30.5M | $23.4M | $22.8M | $7.1M | $-38K | -0.13% | 2.63% | 0.72% |
| Q3 2025 | $31.0M | $23.8M | $22.4M | $7.1M | $-37K | -0.16% | 2.67% | 0.97% |
| Q2 2025 | $30.9M | $23.7M | $21.8M | $7.1M | $-24K | -0.16% | 2.71% | 0.85% |
| Q1 2025 | $29.9M | $22.7M | $20.8M | $7.1M | $-18K | -0.24% | 2.79% | 0.69% |
| Q4 2024 | $29.0M | $21.8M | $19.9M | $7.1M | $-46K | -0.15% | 2.93% | 0.80% |
| Q3 2024 | $29.2M | $22.0M | $19.2M | $7.2M | $-6K | -0.03% | 2.87% | 0.83% |
Loan mix (Q2 2026): real estate $23.5M · commercial $0 · consumer $7K · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.99% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 8.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.3% | 70.8% | 83rd |
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 2024) · $23.7M branch deposits. Biggest market: Jackson, NC, ranked 7th with 2.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, NC | 1 | $23.7M | 1.97% | 7th |
North Carolina: 141st with 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1