| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.2 pts |
| Deposit growth (YoY) | -11.3% | +4.0% | -15.2 pts |
| Loan growth (YoY) | -3.5% | +5.6% | -9.1 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 9.6% | 11.9% | -2.2 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $341.4M | $259.4M | $238.9M | $50.9M | $2.4M | 1.38% | 3.98% | 0.00% |
| Q1 2026 | $339.5M | $272.2M | $253.5M | $49.9M | $1.3M | 1.51% | 4.01% | 0.00% |
| Q4 2025 | $359.2M | $267.3M | $253.7M | $48.6M | $6.2M | 1.81% | 3.79% | 0.00% |
| Q3 2025 | $345.4M | $268.8M | $251.8M | $48.9M | $4.5M | 1.78% | 3.76% | 0.00% |
| Q2 2025 | $344.4M | $292.3M | $247.6M | $47.1M | $2.9M | 1.73% | 3.67% | 0.00% |
| Q1 2025 | $334.0M | $245.0M | $245.5M | $45.5M | $1.4M | 1.62% | 3.60% | 0.00% |
| Q4 2024 | $332.7M | $226.8M | $224.4M | $43.9M | $4.2M | 1.30% | 3.41% | 0.00% |
| Q3 2024 | $317.0M | $214.2M | $214.1M | $45.1M | $2.9M | 1.20% | 3.34% | 0.00% |
Loan mix (Q2 2026): real estate $108.9M · commercial $5.2M · consumer $958K · securities $20.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 36th | |
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 | 68.2% | 62.9% | 64th |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $259.4M branch deposits. Biggest market: Cole, MO, ranked 6th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cole, MO | 1 | $259.4M | 3.69% | 6th |
Missouri: 141st with 0.09% · Jefferson City metro: 8th, 2.93% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
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).