| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | +0.2% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 0.39% | 1.24% | -0.8 pts |
| ROE | 2.0% | 11.9% | -9.8 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $157.4M | $126.2M | $72.4M | $30.9M | $311K | 0.39% | 2.82% | 1.02% |
| Q1 2026 | $160.6M | $129.6M | $71.6M | $30.7M | $146K | 0.37% | 2.80% | 0.50% |
| Q4 2025 | $156.4M | $125.8M | $71.1M | $30.3M | $292K | 0.19% | 2.60% | 0.96% |
| Q3 2025 | $157.2M | $126.6M | $69.3M | $30.2M | $141K | 0.12% | 2.54% | 0.84% |
| Q2 2025 | $156.2M | $125.9M | $67.6M | $30.0M | $55K | 0.07% | 2.53% | 0.61% |
| Q1 2025 | $155.2M | $124.9M | $64.5M | $30.0M | $-7K | -0.02% | 2.44% | 0.47% |
| Q4 2024 | $155.5M | $125.3M | $64.3M | $29.8M | $265K | 0.17% | 2.56% | 0.81% |
| Q3 2024 | $155.3M | $124.9M | $64.7M | $30.1M | $223K | 0.20% | 2.62% | 0.66% |
Loan mix (Q2 2026): real estate $64.4M · commercial $5.4M · consumer $2.8M · securities $61.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 62.9% | 91st |
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) · $125.9M branch deposits. Biggest market: Crawford, OH, ranked 5th with 10.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crawford, OH | 2 | $125.9M | 10.25% | 5th |
Ohio: 191st with 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2