| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.6 pts |
| Loan growth (YoY) | +0.7% | +5.6% | -4.9 pts |
| ROA | 0.60% | 1.24% | -0.6 pts |
| ROE | 5.6% | 11.9% | -6.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $136.7M | $121.4M | $107.5M | $14.7M | $407K | 0.60% | 4.16% | 1.19% |
| Q1 2026 | $136.1M | $120.9M | $104.9M | $14.5M | $209K | 0.61% | 4.14% | 1.06% |
| Q4 2025 | $136.0M | $121.3M | $106.0M | $14.2M | $817K | 0.59% | 4.09% | 1.12% |
| Q3 2025 | $136.7M | $122.4M | $107.0M | $13.8M | $572K | 0.55% | 4.01% | 1.37% |
| Q2 2025 | $137.5M | $122.2M | $106.7M | $13.0M | $277K | 0.40% | 3.84% | 1.47% |
| Q1 2025 | $137.8M | $122.7M | $106.5M | $12.9M | $99K | 0.28% | 3.74% | 1.87% |
| Q4 2024 | $140.1M | $120.3M | $104.7M | $12.7M | $211K | 0.15% | 3.58% | 1.85% |
| Q3 2024 | $138.0M | $117.8M | $105.4M | $13.1M | $149K | 0.15% | 3.57% | 1.55% |
Loan mix (Q2 2026): real estate $103.4M · commercial $2.9M · consumer $2.0M · securities $15.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 62.9% | 89th |
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.
Spends 2.8× the peer median on technology. 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).
3 branches in 3 counties across 1 state (+0 vs 2025) · $121.4M branch deposits. Biggest market: Rio Grande, CO, ranked 3rd with 16.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rio Grande, CO | 1 | $64.7M | 16.09% | 3rd |
| Alamosa, CO | 1 | $34.7M | 3.24% | 6th |
| Archuleta, CO | 1 | $22.0M | 4.68% | 6th |
Colorado: 127th with 0.05% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3