| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +5.5% | -2.9 pts |
| Deposit growth (YoY) | +3.0% | +5.1% | -2.0 pts |
| Loan growth (YoY) | +11.5% | +5.9% | +5.5 pts |
| ROA | 0.21% | 1.26% | -1.1 pts |
| ROE | 1.1% | 12.2% | -11.1 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.32B | $973.7M | $910.5M | $240.5M | $1.3M | 0.21% | 2.42% | 0.11% |
| Q1 2026 | $1.31B | $957.4M | $885.3M | $239.3M | $525K | 0.16% | 2.36% | 0.04% |
| Q4 2025 | $1.30B | $955.0M | $865.8M | $239.7M | $1.7M | 0.14% | 2.18% | 0.10% |
| Q3 2025 | $1.29B | $950.2M | $846.7M | $237.1M | $1.2M | 0.12% | 2.15% | 0.07% |
| Q2 2025 | $1.28B | $945.1M | $816.9M | $234.6M | $806K | 0.13% | 2.09% | 0.08% |
| Q1 2025 | $1.28B | $942.0M | $820.0M | $232.6M | $390K | 0.12% | 2.02% | 0.02% |
| Q4 2024 | $1.28B | $936.5M | $822.2M | $230.2M | $-2.1M | -0.16% | 1.91% | 0.08% |
| Q3 2024 | $1.29B | $937.7M | $798.4M | $234.2M | $-2.3M | -0.25% | 1.89% | 0.01% |
Loan mix (Q2 2026): real estate $883.1M · commercial $37.2M · consumer $204K · securities $243.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 1.26% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 12.2% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.42% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 59.0% | 98th |
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.
11 branches in 5 counties across 1 state (+0 vs 2024) · $945.1M branch deposits. Biggest market: Forsyth, NC, ranked 8th with 5.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Forsyth, NC | 7 | $729.9M | 5.16% | 8th |
| Wake, NC | 1 | $93.6M | 0.08% | 31st |
| Wilkes, NC | 1 | $61.1M | 5.01% | 8th |
| 2 more counties with Pro → | ||||
North Carolina: 36th with 0.12% · Winston-Salem metro: 11th, 3.64% · Raleigh-Cary metro: 32nd, 0.08% ·
Branch count: 2022 10 · 2023 10 · 2024 11 · 2025 11