| Metric | Movement Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.6 pts |
| Loan growth (YoY) | -10.4% | +5.6% | -16.0 pts |
| ROA | 0.96% | 1.24% | -0.3 pts |
| ROE | 8.6% | 11.9% | -3.3 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 | $165.5M | $145.6M | $108.6M | $18.4M | $771K | 0.96% | 3.67% | 0.04% |
| Q1 2026 | $163.8M | $144.3M | $113.9M | $17.9M | $247K | 0.62% | 3.58% | 0.66% |
| Q4 2025 | $154.1M | $109.7M | $114.7M | $17.7M | $-221K | -0.14% | 3.51% | 0.69% |
| Q3 2025 | $161.1M | $119.3M | $118.9M | $15.2M | $-161K | -0.13% | 3.47% | 0.16% |
| Q2 2025 | $163.2M | $146.6M | $121.2M | $14.9M | $-60K | -0.08% | 3.37% | 0.05% |
| Q1 2025 | $159.1M | $142.1M | $121.9M | $14.9M | $-124K | -0.31% | 3.29% | 0.06% |
| Q4 2024 | $156.9M | $134.6M | $119.7M | $14.8M | $-1.4M | -0.92% | 3.04% | 0.06% |
| Q3 2024 | $154.5M | $132.3M | $116.9M | $16.0M | $-703K | -0.61% | 3.02% | 0.06% |
Loan mix (Q2 2026): real estate $103.2M · commercial $5.6M · consumer $209K · securities $12.9M
| Ratio | Movement Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.24% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 62.9% | 88th |
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 | Movement 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 | Movement 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 | Movement 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 | Movement 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 | Movement 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.
4 branches in 4 counties across 3 states (+0 vs 2025) · $145.6M branch deposits. Biggest market: Lancaster, SC, ranked 5th with 4.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lancaster, SC | 1 | $78.1M | 4.69% | 5th |
| Randolph, NC | 1 | $37.0M | 1.17% | 13th |
| Danville (City), VA | 1 | $22.0M | 1.21% | 10th |
| 1 more county with Pro → | ||||
South Carolina: 100th with 0.05% · North Carolina: 124th with 0.01% · Virginia: 186th with 0.01% · Charlotte-Concord-Gastonia metro: 56th, 0.02% · Greensboro-High Point metro: 38th, 0.16% ·
Branch count: 2022 3 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend up 330% in 2025. 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).