| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.9% | +1.7 pts |
| Deposit growth (YoY) | +5.7% | +4.3% | +1.4 pts |
| Loan growth (YoY) | +8.4% | +5.3% | +3.1 pts |
| ROA | 1.22% | 1.28% | -0.1 pts |
| ROE | 11.4% | 12.4% | -1.0 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $666.0M | $586.2M | $503.7M | $71.6M | $4.0M | 1.22% | 4.27% | 0.35% |
| Q1 2026 | $658.3M | $580.4M | $494.7M | $70.5M | $2.0M | 1.21% | 4.20% | 0.40% |
| Q4 2025 | $651.7M | $576.6M | $492.1M | $68.7M | $7.4M | 1.17% | 4.13% | 0.27% |
| Q3 2025 | $643.3M | $567.6M | $476.5M | $67.4M | $5.3M | 1.14% | 4.07% | 0.27% |
| Q2 2025 | $624.9M | $554.4M | $464.5M | $64.0M | $3.4M | 1.10% | 4.05% | 0.29% |
| Q1 2025 | $625.5M | $551.3M | $458.9M | $62.6M | $1.5M | 0.95% | 3.93% | 0.30% |
| Q4 2024 | $612.0M | $530.5M | $445.7M | $60.1M | $6.5M | 1.08% | 3.82% | 0.33% |
| Q3 2024 | $608.9M | $517.3M | $432.2M | $61.8M | $4.9M | 1.09% | 3.74% | 0.28% |
Loan mix (Q2 2026): real estate $477.5M · commercial $25.6M · consumer $3.6M · securities $106.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.28% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.4% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 61.2% | 49th |
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.
9 branches in 2 counties across 1 state (+0 vs 2024) · $554.4M branch deposits. Biggest market: Jefferson, LA, ranked 8th with 3.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, LA | 7 | $487.1M | 3.27% | 8th |
| St. Tammany, LA | 2 | $67.2M | 0.76% | 20th |
Louisiana: 41st with 0.38% · New Orleans-Metairie metro: 13th, 1.26% · Slidell-Mandeville-Covington metro: 20th, 0.76% ·
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9