| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.2 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +18.9% | +5.6% | +13.3 pts |
| ROA | 0.83% | 1.24% | -0.4 pts |
| ROE | 13.4% | 11.9% | +1.6 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $211.7M | $196.9M | $116.5M | $13.1M | $858K | 0.83% | 3.86% | 0.18% |
| Q1 2026 | $210.0M | $196.3M | $107.9M | $12.2M | $380K | 0.74% | 3.75% | 0.12% |
| Q4 2025 | $202.3M | $188.0M | $105.1M | $13.0M | $1.6M | 0.83% | 3.81% | 0.13% |
| Q3 2025 | $203.9M | $190.3M | $100.1M | $11.9M | $1.2M | 0.81% | 3.79% | 0.14% |
| Q2 2025 | $194.9M | $183.2M | $98.0M | $10.2M | $743K | 0.77% | 3.71% | 0.16% |
| Q1 2025 | $194.8M | $182.9M | $88.9M | $9.9M | $311K | 0.64% | 3.57% | 0.17% |
| Q4 2024 | $191.2M | $179.8M | $81.9M | $9.3M | $1.3M | 0.69% | 3.51% | 0.21% |
| Q3 2024 | $185.3M | $172.3M | $81.8M | $10.9M | $794K | 0.58% | 3.46% | 0.14% |
Loan mix (Q2 2026): real estate $96.8M · commercial $14.1M · consumer $1.7M · securities $65.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 62.9% | 73rd |
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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $196.9M branch deposits. Biggest market: Madison, FL, ranked 1st with 49.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, FL | 1 | $172.5M | 49.83% | 1st |
| Taylor, FL | 1 | $24.5M | 4.56% | 6th |
Florida: 191st with 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2
Spends 2.3× 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).