| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.4% | +4.4% | +12.1 pts |
| Deposit growth (YoY) | +16.3% | +4.0% | +12.4 pts |
| Loan growth (YoY) | +19.8% | +5.6% | +14.2 pts |
| ROA | 1.93% | 1.24% | +0.7 pts |
| ROE | 20.4% | 11.9% | +8.6 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $178.9M | $159.8M | $146.7M | $17.0M | $1.7M | 1.93% | 4.18% | 0.11% |
| Q1 2026 | $176.7M | $158.3M | $140.7M | $16.5M | $793K | 1.82% | 4.08% | 0.18% |
| Q4 2025 | $171.0M | $152.7M | $139.9M | $16.3M | $2.5M | 1.57% | 3.88% | 0.12% |
| Q3 2025 | $160.3M | $143.2M | $125.3M | $15.6M | $1.8M | 1.49% | 3.81% | 0.05% |
| Q2 2025 | $153.7M | $137.4M | $122.4M | $14.7M | $1.1M | 1.42% | 3.73% | 0.14% |
| Q1 2025 | $155.4M | $139.4M | $119.3M | $14.1M | $500K | 1.27% | 3.60% | 0.03% |
| Q4 2024 | $160.2M | $145.2M | $119.1M | $13.3M | $1.9M | 1.22% | 3.49% | 0.28% |
| Q3 2024 | $154.0M | $137.8M | $118.6M | $14.3M | $1.4M | 1.21% | 3.48% | 0.26% |
Loan mix (Q2 2026): real estate $132.0M · commercial $13.6M · consumer $3.0M · securities $24.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 20.4% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.4% | 62.9% | 13th |
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.
3 branches in 1 county across 1 state (+0 vs 2025) · $159.8M branch deposits. Biggest market: Putnam, TN, ranked 8th with 4.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Putnam, TN | 3 | $159.8M | 4.38% | 8th |
Tennessee: 160th with 0.05% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (22 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).