| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.0% | +4.4% | +9.6 pts |
| Deposit growth (YoY) | +14.6% | +4.0% | +10.6 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.1 pts |
| ROA | 0.95% | 1.24% | -0.3 pts |
| ROE | 10.4% | 11.9% | -1.5 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $379.4M | $340.9M | $180.1M | $33.5M | $1.7M | 0.95% | 3.98% | 0.62% |
| Q1 2026 | $347.6M | $309.9M | $158.7M | $32.5M | $713K | 0.81% | 3.80% | 1.12% |
| Q4 2025 | $359.3M | $321.5M | $168.8M | $32.5M | $3.0M | 0.88% | 4.05% | 1.50% |
| Q3 2025 | $352.9M | $315.5M | $178.3M | $31.9M | $2.1M | 0.85% | 4.05% | 1.57% |
| Q2 2025 | $332.9M | $297.6M | $175.7M | $30.0M | $1.2M | 0.74% | 4.06% | 1.74% |
| Q1 2025 | $332.7M | $297.8M | $167.8M | $29.9M | $581K | 0.71% | 4.01% | 1.76% |
| Q4 2024 | $321.7M | $287.2M | $178.3M | $29.2M | $2.9M | 0.90% | 4.22% | 1.73% |
| Q3 2024 | $317.0M | $282.0M | $188.0M | $29.9M | $2.1M | 0.87% | 4.09% | 1.61% |
Loan mix (Q2 2026): real estate $102.1M · commercial $14.3M · consumer $14.7M · securities $95.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.24% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 62.9% | 78th |
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.
11 branches in 5 counties across 1 state (+0 vs 2024) · $297.6M branch deposits. Biggest market: Jackson, AR, ranked 1st with 50.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, AR | 4 | $196.7M | 50.65% | 1st |
| Independence, AR | 4 | $51.6M | 3.16% | 4th |
| Woodruff, AR | 1 | $30.3M | 14.78% | 3rd |
| 2 more counties with Pro → | ||||
Arkansas: 58th with 0.27% ·
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 11