| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +2.0% | +4.0% | -2.0 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 6.0% | 11.9% | -5.8 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191.1M | $160.2M | $139.5M | $24.6M | $731K | 0.78% | 4.12% | 0.35% |
| Q1 2026 | $186.8M | $156.5M | $136.8M | $24.2M | $295K | 0.64% | 4.12% | 0.27% |
| Q4 2025 | $182.6M | $155.0M | $136.0M | $24.0M | $1.4M | 0.79% | 4.10% | 0.25% |
| Q3 2025 | $182.0M | $157.1M | $133.6M | $23.7M | $1.0M | 0.78% | 4.04% | 0.29% |
| Q2 2025 | $181.3M | $157.1M | $130.4M | $23.0M | $705K | 0.79% | 4.00% | 0.26% |
| Q1 2025 | $181.7M | $158.0M | $127.4M | $22.6M | $250K | 0.56% | 3.85% | 0.22% |
| Q4 2024 | $174.1M | $149.6M | $127.8M | $23.6M | $3.1M | 1.86% | 4.15% | 0.22% |
| Q3 2024 | $167.5M | $143.0M | $125.0M | $23.4M | $2.4M | 1.95% | 4.16% | 0.21% |
Loan mix (Q2 2026): real estate $120.7M · commercial $14.4M · consumer $5.7M · securities $19.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 62.9% | 77th |
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.
6 branches in 2 counties across 1 state (+0 vs 2024) · $157.1M branch deposits. Biggest market: McDowell, WV, ranked 2nd with 39.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McDowell, WV | 3 | $94.6M | 39.48% | 2nd |
| Raleigh, WV | 3 | $62.5M | 3.36% | 10th |
West Virginia: 50th with 0.31% · Beckley metro: 11th, 2.51% ·
Branch count: 2022 5 · 2023 6 · 2024 6 · 2025 6