| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +3.0% | -6.2 pts |
| Deposit growth (YoY) | -5.2% | +2.5% | -7.7 pts |
| Loan growth (YoY) | -2.9% | +2.6% | -5.5 pts |
| ROA | -0.67% | 0.99% | -1.7 pts |
| ROE | -1.4% | 8.1% | -9.5 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.9M | $18.7M | $30.1M | $17.1M | $-123K | -0.67% | 3.88% | 0.19% |
| Q1 2026 | $37.5M | $20.3M | $30.4M | $17.2M | $-66K | -0.70% | 3.84% | 0.35% |
| Q4 2025 | $37.4M | $20.1M | $30.7M | $17.2M | $-159K | -0.41% | 3.70% | 0.36% |
| Q3 2025 | $36.1M | $18.8M | $31.3M | $17.3M | $-111K | -0.38% | 3.64% | 0.20% |
| Q2 2025 | $37.1M | $19.7M | $31.0M | $17.3M | $-67K | -0.34% | 3.57% | 0.20% |
| Q1 2025 | $37.9M | $20.5M | $30.8M | $17.3M | $-30K | -0.29% | 3.46% | 0.00% |
| Q4 2024 | $44.0M | $29.9M | $30.6M | $13.9M | $-100K | -0.27% | 3.10% | 0.09% |
| Q3 2024 | $35.1M | $21.0M | $30.8M | $14.0M | $-59K | -0.22% | 3.23% | 0.00% |
Loan mix (Q2 2026): real estate $30.0M · commercial $0 · consumer $208K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.67% | 0.99% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 8.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 117.8% | 70.8% | 92nd |
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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $18.7M branch deposits. Biggest market: Jefferson, LA, ranked 33rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, LA | 1 | $14.8M | 0.10% | 33rd |
| St. Tammany, LA | 1 | $3.9M | 0.04% | 36th |
Louisiana: 193rd with 0.01% · New Orleans-Metairie metro: 52nd, 0.04% · Slidell-Mandeville-Covington metro: 36th, 0.04% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (34 bps of assets, 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).