| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.0% | -0.9 pts |
| Deposit growth (YoY) | +3.9% | +2.5% | +1.4 pts |
| Loan growth (YoY) | +11.3% | +2.6% | +8.8 pts |
| ROA | 1.38% | 0.99% | +0.4 pts |
| ROE | 13.8% | 8.1% | +5.7 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $83.2M | $73.3M | $49.7M | $8.5M | $568K | 1.38% | 3.62% | 0.44% |
| Q1 2026 | $84.3M | $74.3M | $48.3M | $8.2M | $287K | 1.40% | 3.51% | 0.44% |
| Q4 2025 | $80.2M | $70.0M | $47.9M | $8.0M | $966K | 1.21% | 3.34% | 0.48% |
| Q3 2025 | $81.8M | $70.8M | $46.0M | $7.8M | $710K | 1.19% | 3.23% | 0.49% |
| Q2 2025 | $81.4M | $70.5M | $44.7M | $7.2M | $441K | 1.12% | 3.12% | 0.49% |
| Q1 2025 | $79.8M | $68.7M | $43.3M | $6.9M | $189K | 0.98% | 2.95% | 0.51% |
| Q4 2024 | $74.9M | $64.3M | $43.7M | $6.5M | $751K | 1.04% | 3.23% | 0.57% |
| Q3 2024 | $72.4M | $61.3M | $43.9M | $6.7M | $573K | 1.06% | 3.27% | 0.62% |
Loan mix (Q2 2026): real estate $36.0M · commercial $2.9M · consumer $3.6M · securities $24.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.99% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 8.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.9% | 70.8% | 15th |
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 1 county across 1 state (+0 vs 2024) · $70.5M branch deposits. Biggest market: Moniteau, MO, ranked 3rd with 22.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Moniteau, MO | 2 | $70.5M | 22.70% | 3rd |
Missouri: 249th with 0.02% · Jefferson City metro: 16th, 0.94% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2