| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +4.4% | +8.3 pts |
| Deposit growth (YoY) | +13.4% | +4.0% | +9.4 pts |
| Loan growth (YoY) | -16.3% | +5.6% | -21.9 pts |
| ROA | 1.70% | 1.24% | +0.5 pts |
| ROE | 17.5% | 11.9% | +5.6 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $124.1M | $111.7M | $24.8M | $12.2M | $1.0M | 1.70% | 3.49% | 1.02% |
| Q1 2026 | $121.4M | $109.3M | $24.5M | $12.0M | $564K | 1.83% | 3.65% | 1.04% |
| Q4 2025 | $124.6M | $112.9M | $28.5M | $11.6M | $1.9M | 1.60% | 3.29% | 0.86% |
| Q3 2025 | $114.2M | $101.6M | $28.0M | $12.5M | $1.4M | 1.60% | 3.34% | 1.20% |
| Q2 2025 | $110.1M | $98.5M | $29.7M | $11.4M | $890K | 1.56% | 3.32% | 0.94% |
| Q1 2025 | $109.9M | $99.1M | $30.8M | $10.7M | $449K | 1.55% | 3.32% | 0.85% |
| Q4 2024 | $121.4M | $111.6M | $29.2M | $9.7M | $1.9M | 1.77% | 3.36% | 0.77% |
| Q3 2024 | $102.6M | $91.3M | $30.8M | $11.2M | $1.5M | 1.87% | 3.45% | 0.00% |
Loan mix (Q2 2026): real estate $13.8M · commercial $5.0M · consumer $4.0M · securities $60.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 62.9% | 21st |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $111.7M branch deposits. Biggest market: La Salle, TX, ranked 1st with 100.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| La Salle, TX | 1 | $111.7M | 100.00% | 1st |
Texas: 507th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (25 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).