| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.7 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.7 pts |
| ROA | 1.47% | 1.24% | +0.2 pts |
| ROE | 15.9% | 11.9% | +4.0 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $288.8M | $260.4M | $192.7M | $27.5M | $2.1M | 1.47% | 4.65% | 0.21% |
| Q1 2026 | $285.7M | $258.7M | $194.4M | $26.3M | $916K | 1.30% | 4.53% | 0.25% |
| Q4 2025 | $279.9M | $253.4M | $193.4M | $25.5M | $3.4M | 1.26% | 4.36% | 0.25% |
| Q3 2025 | $280.4M | $255.0M | $190.8M | $24.5M | $2.4M | 1.19% | 4.26% | 0.26% |
| Q2 2025 | $268.2M | $244.1M | $189.1M | $23.3M | $1.5M | 1.12% | 4.14% | 0.28% |
| Q1 2025 | $264.0M | $240.3M | $185.4M | $22.5M | $659K | 0.99% | 4.03% | 0.33% |
| Q4 2024 | $265.9M | $243.2M | $186.5M | $21.7M | $1.7M | 0.61% | 3.34% | 0.32% |
| Q3 2024 | $282.2M | $260.0M | $185.8M | $21.3M | $1.0M | 0.48% | 3.14% | 0.33% |
Loan mix (Q2 2026): real estate $180.0M · commercial $11.5M · consumer $3.0M · securities $53.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 11.9% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 62.9% | 52nd |
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.
3 branches in 3 counties across 1 state (+0 vs 2025) · $260.4M branch deposits. Biggest market: Macon, NC, ranked 4th with 10.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Macon, NC | 1 | $149.7M | 10.36% | 4th |
| Clay, NC | 1 | $63.7M | 14.76% | 3rd |
| Cherokee, NC | 1 | $46.9M | 3.49% | 7th |
North Carolina: 74th with 0.03% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (24 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).