| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +4.4% | +6.2 pts |
| Deposit growth (YoY) | +11.6% | +4.0% | +7.6 pts |
| Loan growth (YoY) | +4.7% | +5.6% | -0.9 pts |
| ROA | 1.75% | 1.24% | +0.5 pts |
| ROE | 13.4% | 11.9% | +1.5 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $317.6M | $273.7M | $233.0M | $42.7M | $2.8M | 1.75% | 3.53% | 0.46% |
| Q1 2026 | $315.9M | $273.3M | $226.8M | $41.2M | $1.3M | 1.61% | 3.55% | 0.22% |
| Q4 2025 | $313.7M | $268.8M | $239.1M | $39.9M | $5.3M | 1.82% | 3.87% | 0.28% |
| Q3 2025 | $296.9M | $253.4M | $229.0M | $42.6M | $4.3M | 1.99% | 3.92% | 0.26% |
| Q2 2025 | $287.2M | $245.3M | $222.6M | $41.0M | $2.7M | 1.94% | 3.81% | 0.30% |
| Q1 2025 | $281.9M | $241.5M | $225.8M | $39.5M | $1.2M | 1.75% | 3.79% | 0.08% |
| Q4 2024 | $278.6M | $234.6M | $229.3M | $38.3M | $4.9M | 1.80% | 3.69% | 0.57% |
| Q3 2024 | $269.3M | $226.7M | $223.1M | $41.7M | $3.6M | 1.81% | 3.66% | 0.18% |
Loan mix (Q2 2026): real estate $129.6M · commercial $33.0M · consumer $4.0M · securities $6.4M
| Ratio | Putnam County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
28th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.9% | 62.9% | 1st |
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 | Putnam County State Bank | 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 | Putnam County State Bank | 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 | Putnam County State Bank | 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 | Putnam County State Bank | 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 | Putnam County State Bank | 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 2 counties across 1 state (+0 vs 2025) · $273.7M branch deposits. Biggest market: Putnam, MO, ranked 1st with 62.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Putnam, MO | 1 | $163.1M | 62.12% | 1st |
| Sullivan, MO | 1 | $110.6M | 53.80% | 1st |
Missouri: 136th with 0.09% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
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).