| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.0% | -0.6 pts |
| Deposit growth (YoY) | +1.6% | +2.5% | -0.9 pts |
| Loan growth (YoY) | +6.7% | +2.6% | +4.1 pts |
| ROA | 0.79% | 0.99% | -0.2 pts |
| ROE | 5.2% | 8.1% | -2.9 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.0M | $43.1M | $20.4M | $8.1M | $208K | 0.79% | 4.40% | 0.59% |
| Q1 2026 | $53.8M | $45.1M | $19.8M | $7.9M | $96K | 0.73% | 4.33% | 0.56% |
| Q4 2025 | $51.4M | $42.4M | $20.3M | $8.1M | $432K | 0.84% | 4.33% | 0.60% |
| Q3 2025 | $50.6M | $41.9M | $21.0M | $7.9M | $336K | 0.87% | 4.32% | 0.59% |
| Q2 2025 | $50.8M | $42.4M | $19.1M | $7.5M | $185K | 0.72% | 4.17% | 0.60% |
| Q1 2025 | $52.1M | $44.1M | $18.2M | $7.3M | $86K | 0.66% | 4.00% | 0.64% |
| Q4 2024 | $52.0M | $44.2M | $19.2M | $7.2M | $253K | 0.49% | 3.94% | 0.58% |
| Q3 2024 | $51.6M | $43.5M | $20.4M | $7.4M | $142K | 0.37% | 3.85% | 0.52% |
Loan mix (Q2 2026): real estate $15.0M · commercial $5.1M · consumer $1.1M · securities $17.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.99% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 8.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 70.8% | 72nd |
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.
2 branches in 1 county across 1 state (+0 vs 2025) · $43.1M branch deposits. Biggest market: Perry, MS, ranked 2nd with 26.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Perry, MS | 2 | $43.1M | 26.36% | 2nd |
Mississippi: 100th with 0.05% · Hattiesburg metro: 18th, 0.96% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (43 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).