| Metric | LifeStore Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.7 pts |
| Loan growth (YoY) | +9.0% | +5.6% | +3.4 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 10.4% | 11.9% | -1.4 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $491.3M | $429.7M | $320.3M | $55.9M | $2.8M | 1.14% | 3.76% | 0.86% |
| Q1 2026 | $503.0M | $443.4M | $305.2M | $54.1M | $1.3M | 1.07% | 3.69% | 0.89% |
| Q4 2025 | $497.4M | $439.4M | $302.4M | $53.5M | $5.5M | 1.13% | 3.62% | 0.93% |
| Q3 2025 | $486.7M | $430.0M | $296.0M | $51.8M | $4.1M | 1.14% | 3.62% | 0.63% |
| Q2 2025 | $474.0M | $420.2M | $293.9M | $49.2M | $2.4M | 0.99% | 3.53% | 0.88% |
| Q1 2025 | $480.1M | $427.0M | $291.1M | $48.8M | $906K | 0.77% | 3.39% | 0.90% |
| Q4 2024 | $466.4M | $414.1M | $283.3M | $48.4M | $3.4M | 0.77% | 3.20% | 0.87% |
| Q3 2024 | $446.4M | $392.7M | $278.1M | $48.9M | $2.3M | 0.71% | 3.17% | 0.88% |
Loan mix (Q2 2026): real estate $311.2M · commercial $10.8M · consumer $2.5M · securities $113.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | LifeStore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 62.9% | 44th |
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 | LifeStore 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 | LifeStore 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 | LifeStore 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 | LifeStore 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 | LifeStore 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 2 counties across 1 state (+0 vs 2025) · $429.7M branch deposits. Biggest market: Ashe, NC, ranked 1st with 31.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ashe, NC | 3 | $318.6M | 31.79% | 1st |
| Watauga, NC | 1 | $111.1M | 6.03% | 7th |
North Carolina: 59th with 0.05% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Spends 1.8× 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).