| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +50.3% | +4.9% | +45.4 pts |
| Deposit growth (YoY) | +25.7% | +4.3% | +21.4 pts |
| Loan growth (YoY) | +9.2% | +5.3% | +3.8 pts |
| ROA | -2.56% | 1.28% | -3.8 pts |
| ROE | -11.4% | 12.4% | -23.8 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $710.0M | $480.6M | $341.8M | $216.9M | $-7.2M | -2.56% | 1.63% | 2.88% |
| Q1 2026 | $489.8M | $394.2M | $317.5M | $80.9M | $1.0M | 0.84% | 4.21% | 1.94% |
| Q4 2025 | $478.1M | $382.7M | $308.4M | $80.5M | $4.2M | 0.92% | 4.39% | 0.95% |
| Q3 2025 | $478.8M | $386.6M | $306.8M | $79.8M | $3.3M | 0.96% | 4.34% | 0.88% |
| Q2 2025 | $472.4M | $382.3M | $313.1M | $78.3M | $2.1M | 0.92% | 4.40% | 0.30% |
| Q1 2025 | $443.4M | $354.2M | $315.2M | $77.3M | $1.1M | 0.99% | 4.27% | 0.54% |
| Q4 2024 | $431.0M | $342.9M | $319.2M | $75.8M | $3.1M | 0.69% | 4.22% | 0.51% |
| Q3 2024 | $448.5M | $337.6M | $316.4M | $76.5M | $2.7M | 0.81% | 4.13% | 0.61% |
Loan mix (Q2 2026): real estate $232.9M · commercial $109.3M · consumer $5.6M · securities $34.6M
| Ratio | M C Bank & Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.56% | 1.28% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -11.4% | 12.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 1.63% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 309.3% | 61.2% | 100th |
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 | M C Bank & Trust Company | 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 | M C Bank & Trust Company | 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 | M C Bank & Trust Company | 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 | M C Bank & Trust Company | 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 | M C Bank & Trust Company | 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.
9 branches in 6 counties across 1 state (+0 vs 2024) · $382.3M branch deposits. Biggest market: St. Mary, LA, ranked 3rd with 18.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Mary, LA | 3 | $261.0M | 18.88% | 3rd |
| Orleans, LA | 1 | $58.1M | 0.29% | 19th |
| Lafayette, LA | 2 | $33.4M | 0.36% | 25th |
| 3 more counties with Pro → | ||||
Louisiana: 62nd with 0.26% · New Orleans-Metairie metro: 35th, 0.18% · Lafayette metro: 35th, 0.27% ·
Branch count: 2022 8 · 2023 8 · 2024 9 · 2025 9