| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.4% | +1.3 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 0.70% | 1.24% | -0.5 pts |
| ROE | 7.4% | 11.9% | -4.4 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.3M | $117.2M | $85.4M | $13.2M | $478K | 0.70% | 3.14% | 0.00% |
| Q1 2026 | $136.0M | $115.7M | $83.7M | $12.7M | $242K | 0.72% | 3.09% | 0.00% |
| Q4 2025 | $134.6M | $114.5M | $83.2M | $12.8M | $666K | 0.51% | 3.00% | 0.02% |
| Q3 2025 | $132.8M | $115.0M | $82.0M | $12.3M | $458K | 0.47% | 2.96% | 0.10% |
| Q2 2025 | $130.9M | $114.1M | $78.7M | $11.5M | $259K | 0.40% | 2.91% | 0.02% |
| Q1 2025 | $129.5M | $112.3M | $76.2M | $11.6M | $140K | 0.43% | 2.88% | 0.00% |
| Q4 2024 | $128.1M | $111.2M | $76.0M | $11.4M | $581K | 0.46% | 2.91% | 0.13% |
| Q3 2024 | $127.9M | $110.5M | $73.4M | $11.9M | $395K | 0.42% | 2.85% | 0.07% |
Loan mix (Q2 2026): real estate $84.3M · commercial $1.0M · consumer $858K · securities $37.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 62.9% | 74th |
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) · $114.1M branch deposits. Biggest market: Pickens, SC, ranked 9th with 3.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pickens, SC | 2 | $114.1M | 3.43% | 9th |
South Carolina: 89th with 0.08% · Greenville-Anderson-Greer metro: 37th, 0.39% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2