| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +63.1% | +4.4% | +58.7 pts |
| Deposit growth (YoY) | +51.8% | +4.0% | +47.8 pts |
| Loan growth (YoY) | +69.1% | +5.6% | +63.5 pts |
| ROA | -0.39% | 1.24% | -1.6 pts |
| ROE | -3.5% | 11.9% | -15.3 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $359.3M | $286.4M | $184.0M | $33.2M | $-581K | -0.39% | 3.88% | 0.08% |
| Q1 2026 | $278.6M | $205.6M | $168.4M | $33.5M | $-318K | -0.48% | 4.08% | 0.69% |
| Q4 2025 | $251.1M | $205.3M | $144.2M | $34.0M | $-3.0M | -1.35% | 3.74% | 0.11% |
| Q3 2025 | $214.0M | $172.6M | $124.4M | $29.6M | $-1.7M | -1.07% | 3.66% | 0.15% |
| Q2 2025 | $220.3M | $188.7M | $108.8M | $29.5M | $-1.1M | -1.00% | 3.50% | 0.16% |
| Q1 2025 | $213.8M | $182.4M | $96.7M | $29.9M | $-523K | -1.01% | 3.40% | 0.19% |
| Q4 2024 | $198.7M | $176.9M | $88.3M | $20.3M | $-2.1M | -1.40% | 3.20% | 0.25% |
| Q3 2024 | $147.6M | $130.7M | $78.5M | $16.3M | $-1.7M | -1.56% | 3.26% | 0.40% |
Loan mix (Q2 2026): real estate $161.7M · commercial $22.2M · consumer $1.6M · securities $56.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.39% | 1.24% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -3.5% | 11.9% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.1% | 62.9% | 98th |
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 2024) · $188.7M branch deposits. Biggest market: Powhatan, VA, ranked 3rd with 24.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Powhatan, VA | 1 | $188.7M | 24.36% | 3rd |
Virginia: 112th with 0.05% · Richmond metro: 24th, 0.25% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1