| Metric | Legacy Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | -5.5% | +4.0% | -9.4 pts |
| Loan growth (YoY) | +13.2% | +5.6% | +7.6 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 4.8% | 11.9% | -7.1 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $360.2M | $279.7M | $231.8M | $65.1M | $1.5M | 0.85% | 3.13% | 1.44% |
| Q1 2026 | $357.8M | $290.7M | $227.0M | $63.9M | $817K | 0.91% | 3.03% | 1.44% |
| Q4 2025 | $363.6M | $287.3M | $233.8M | $63.0M | $3.1M | 0.88% | 3.17% | 1.39% |
| Q3 2025 | $358.7M | $293.9M | $208.4M | $63.8M | $2.3M | 0.88% | 3.14% | 1.38% |
| Q2 2025 | $357.8M | $295.8M | $204.8M | $61.1M | $1.5M | 0.90% | 3.18% | 0.91% |
| Q1 2025 | $338.6M | $277.9M | $201.7M | $59.4M | $760K | 0.90% | 3.33% | 0.96% |
| Q4 2024 | $337.5M | $273.1M | $201.6M | $58.1M | $2.1M | 0.63% | 2.84% | 0.94% |
| Q3 2024 | $336.2M | $270.9M | $196.9M | $58.3M | $1.5M | 0.60% | 2.81% | 0.78% |
Loan mix (Q2 2026): real estate $189.4M · commercial $18.2M · consumer $19.9M · securities $96.5M
| Ratio | Legacy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 62.9% | 61st |
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 | Legacy 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 | Legacy 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 | Legacy 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 | Legacy 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 | Legacy 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.
4 branches in 3 counties across 1 state (-1 vs 2024) · $295.8M branch deposits. Biggest market: Buchanan, VA, ranked 1st with 48.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Buchanan, VA | 2 | $242.3M | 48.21% | 1st |
| Tazewell, VA | 1 | $28.2M | 2.17% | 9th |
| Washington, VA | 1 | $25.3M | 1.29% | 11th |
Virginia: 90th with 0.07% · Kingsport-Bristol metro: 25th, 0.23% ·
Branch count: 2022 6 · 2023 5 · 2024 5 · 2025 4