| Metric | Lead Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +58.3% | +5.5% | +52.8 pts |
| Deposit growth (YoY) | +61.4% | +5.1% | +56.3 pts |
| Loan growth (YoY) | +24.9% | +6.0% | +18.9 pts |
| ROA | 1.59% | 1.26% | +0.3 pts |
| ROE | 18.1% | 12.2% | +6.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.76B | $2.46B | $1.11B | $244.1M | $21.3M | 1.59% | 7.93% | 1.34% |
| Q1 2026 | $2.68B | $2.39B | $1.08B | $234.2M | $10.5M | 1.59% | 8.31% | 0.94% |
| Q4 2025 | $2.61B | $2.33B | $1.06B | $225.6M | $25.9M | 1.34% | 9.39% | 0.85% |
| Q3 2025 | $1.97B | $1.71B | $898.3M | $218.0M | $18.9M | 1.43% | 9.68% | 0.88% |
| Q2 2025 | $1.74B | $1.53B | $889.3M | $177.4M | $11.1M | 1.31% | 9.50% | 0.92% |
| Q1 2025 | $1.75B | $1.54B | $800.0M | $170.9M | $5.0M | 1.21% | 9.18% | 0.84% |
| Q4 2024 | $1.59B | $1.39B | $758.9M | $163.9M | $22.0M | 1.91% | 10.84% | 0.95% |
| Q3 2024 | $1.14B | $949.2M | $713.6M | $150.2M | $13.1M | 1.68% | 11.34% | 1.21% |
Loan mix (Q2 2026): real estate $351.2M · commercial $49.7M · consumer $712.4M · securities $267.7M
| Ratio | Lead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.26% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 12.2% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.93% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 59.0% | 92nd |
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 | Lead Bank | 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 | Lead Bank | 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 | Lead Bank | 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 | Lead Bank | 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 | Lead Bank | 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.
2 branches in 1 county across 1 state (+0 vs 2025) · $2.46B branch deposits. Biggest market: Jackson, MO, ranked 3rd with 4.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 2 | $2.46B | 4.33% | 3rd |
Missouri: 20th with 0.82% · Kansas City metro: 10th, 2.32% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2