| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.2% | +4.4% | -14.6 pts |
| Deposit growth (YoY) | -12.2% | +4.0% | -16.1 pts |
| Loan growth (YoY) | -12.5% | +5.6% | -18.1 pts |
| ROA | 0.01% | 1.24% | -1.2 pts |
| ROE | 0.1% | 11.9% | -11.8 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $129.4M | $111.3M | $90.4M | $14.7M | $8K | 0.01% | 3.94% | 6.29% |
| Q1 2026 | $129.1M | $109.9M | $89.4M | $15.0M | $153K | 0.46% | 4.58% | 4.61% |
| Q4 2025 | $135.9M | $115.7M | $97.8M | $15.0M | $1.6M | 1.12% | 3.71% | 4.47% |
| Q3 2025 | $136.1M | $118.2M | $102.8M | $15.4M | $2.0M | 1.87% | 3.79% | 2.63% |
| Q2 2025 | $144.2M | $126.7M | $103.3M | $15.7M | $2.4M | 3.34% | 3.84% | 2.16% |
| Q1 2025 | $143.2M | $128.2M | $110.9M | $13.2M | $-177K | -0.49% | 3.50% | 2.69% |
| Q4 2024 | $144.6M | $129.1M | $108.5M | $13.4M | $-1.5M | -1.07% | 4.04% | 1.18% |
| Q3 2024 | $140.3M | $120.4M | $109.9M | $15.4M | $381K | 0.36% | 3.51% | 3.66% |
Loan mix (Q2 2026): real estate $39.1M · commercial $28.8M · consumer $4.1M · securities $17.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 1.24% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 11.9% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.0% | 62.9% | 97th |
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 2 counties across 2 states (+0 vs 2024) · $126.7M branch deposits. Biggest market: Ellis, OK, ranked 1st with 54.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ellis, OK | 1 | $106.5M | 54.84% | 1st |
| Lipscomb, TX | 1 | $20.2M | 17.13% | 3rd |
Oklahoma: 161st with 0.07% · Texas: 713th with 0.00% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2