| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +11.6% | +5.6% | +6.0 pts |
| ROA | 1.24% | 1.24% | +0.0 pts |
| ROE | 12.2% | 11.9% | +0.3 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 | $319.0M | $280.2M | $240.2M | $33.0M | $2.0M | 1.24% | 4.96% | 0.75% |
| Q1 2026 | $318.6M | $280.7M | $233.2M | $32.1M | $898K | 1.14% | 4.88% | 0.93% |
| Q4 2025 | $312.0M | $274.9M | $221.6M | $31.5M | $3.7M | 1.21% | 4.95% | 0.90% |
| Q3 2025 | $307.4M | $270.8M | $220.0M | $30.8M | $2.9M | 1.29% | 4.97% | 0.79% |
| Q2 2025 | $303.5M | $268.3M | $215.4M | $30.1M | $2.0M | 1.36% | 4.91% | 0.98% |
| Q1 2025 | $297.8M | $263.2M | $210.9M | $29.2M | $1.2M | 1.62% | 4.81% | 1.01% |
| Q4 2024 | $289.9M | $257.4M | $211.6M | $28.0M | $3.1M | 1.12% | 4.89% | 1.41% |
| Q3 2024 | $281.1M | $248.7M | $206.1M | $27.6M | $2.1M | 1.00% | 4.83% | 1.19% |
Loan mix (Q2 2026): real estate $150.5M · commercial $43.0M · consumer $40.3M · securities $25.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.9% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 62.9% | 39th |
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 2 states (+0 vs 2025) · $280.2M branch deposits. Biggest market: Pickett, TN, ranked 1st with 91.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pickett, TN | 1 | $178.8M | 91.04% | 1st |
| Clinton, KY | 1 | $70.2M | 26.64% | 2nd |
| Overton, TN | 1 | $31.2M | 4.77% | 5th |
Tennessee: 138th with 0.07% · Kentucky: 160th with 0.05% ·
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (26 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).