| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +4.4% | +6.2 pts |
| Deposit growth (YoY) | +10.2% | +4.0% | +6.3 pts |
| Loan growth (YoY) | +11.5% | +5.6% | +6.0 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 19.5% | 11.9% | +7.6 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $166.9M | $145.4M | $135.4M | $12.6M | $1.2M | 1.53% | 4.64% | 1.32% |
| Q1 2026 | $155.3M | $136.3M | $127.1M | $12.6M | $588K | 1.53% | 4.69% | 1.35% |
| Q4 2025 | $152.2M | $131.2M | $120.8M | $12.1M | $1.9M | 1.30% | 4.40% | 0.89% |
| Q3 2025 | $151.7M | $138.7M | $119.5M | $12.1M | $1.4M | 1.26% | 4.33% | 1.02% |
| Q2 2025 | $151.0M | $131.9M | $121.4M | $11.8M | $1.0M | 1.34% | 4.30% | 0.38% |
| Q1 2025 | $148.0M | $132.5M | $117.0M | $11.8M | $485K | 1.31% | 4.16% | 0.28% |
| Q4 2024 | $147.6M | $132.4M | $117.5M | $11.1M | $2.3M | 1.60% | 4.01% | 0.21% |
| Q3 2024 | $150.5M | $132.6M | $118.8M | $11.8M | $2.0M | 1.90% | 3.98% | 0.32% |
Loan mix (Q2 2026): real estate $104.4M · commercial $22.9M · consumer $4.8M · securities $11.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 19.5% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 62.9% | 46th |
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.
4 branches in 1 county across 1 state (+0 vs 2024) · $131.9M branch deposits. Biggest market: Ottawa, OK, ranked 4th with 15.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ottawa, OK | 4 | $131.9M | 15.78% | 4th |
Oklahoma: 146th with 0.08% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4