| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.0% | -0.6 pts |
| Deposit growth (YoY) | +1.7% | +2.5% | -0.8 pts |
| Loan growth (YoY) | +5.8% | +2.6% | +3.2 pts |
| ROA | 0.99% | 0.99% | -0.0 pts |
| ROE | 4.9% | 8.1% | -3.2 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.1M | $29.4M | $13.0M | $7.7M | $186K | 0.99% | 4.09% | 0.10% |
| Q1 2026 | $38.2M | $30.6M | $12.9M | $7.6M | $90K | 0.95% | 4.03% | 0.01% |
| Q4 2025 | $37.7M | $30.2M | $13.4M | $7.5M | $401K | 1.08% | 4.21% | 0.02% |
| Q3 2025 | $37.1M | $29.7M | $12.3M | $7.4M | $327K | 1.18% | 4.16% | 0.07% |
| Q2 2025 | $36.2M | $28.9M | $12.3M | $7.3M | $211K | 1.15% | 4.14% | 0.00% |
| Q1 2025 | $37.0M | $29.8M | $11.9M | $7.2M | $95K | 1.03% | 4.04% | 0.00% |
| Q4 2024 | $37.1M | $30.0M | $12.0M | $7.1M | $358K | 0.95% | 3.93% | 0.00% |
| Q3 2024 | $37.9M | $30.8M | $12.0M | $7.0M | $299K | 1.06% | 3.91% | 0.00% |
Loan mix (Q2 2026): real estate $1.1M · commercial $8.5M · consumer $3.9M · securities $17.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.99% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 8.1% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 70.8% | 60th |
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.
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).
1 branches in 1 county across 1 state (+0 vs 2025) · $29.4M branch deposits. Biggest market: Marion, SC, ranked 4th with 4.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, SC | 1 | $29.4M | 4.75% | 4th |
South Carolina: 118th with 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1