| Metric | Monument Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +4.4% | +5.2 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +16.8% | +5.6% | +11.2 pts |
| ROA | 1.74% | 1.24% | +0.5 pts |
| ROE | 18.4% | 11.9% | +6.6 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $112.8M | $91.7M | $81.3M | $10.5M | $923K | 1.74% | 6.56% | 0.20% |
| Q1 2026 | $103.9M | $93.4M | $72.2M | $10.0M | $413K | 1.61% | 6.45% | 0.19% |
| Q4 2025 | $101.5M | $87.8M | $72.5M | $9.6M | $1.6M | 1.56% | 6.26% | 0.62% |
| Q3 2025 | $105.7M | $92.4M | $68.8M | $10.7M | $1.2M | 1.56% | 6.13% | 0.79% |
| Q2 2025 | $103.0M | $90.1M | $69.7M | $10.3M | $853K | 1.66% | 6.11% | 0.21% |
| Q1 2025 | $103.8M | $90.9M | $68.3M | $9.9M | $454K | 1.77% | 6.00% | 0.21% |
| Q4 2024 | $101.8M | $89.5M | $72.7M | $9.5M | $1.5M | 1.48% | 6.18% | 0.60% |
| Q3 2024 | $101.2M | $88.5M | $74.5M | $9.9M | $1.0M | 1.41% | 6.04% | 1.00% |
Loan mix (Q2 2026): real estate $70.6M · commercial $4.5M · consumer $2.9M · securities $12.2M
| Ratio | Monument Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 62.9% | 59th |
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 | Monument Bank | 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 | Monument Bank | 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 | Monument Bank | 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 | Monument Bank | 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 | Monument Bank | 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.
Spends 2.4× 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).
3 branches in 1 county across 1 state (+0 vs 2025) · $91.7M branch deposits. Biggest market: Le Flore, OK, ranked 4th with 10.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Le Flore, OK | 3 | $91.7M | 10.04% | 4th |
Oklahoma: 176th with 0.05% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3