| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +3.0% | -7.1 pts |
| Deposit growth (YoY) | -2.3% | +2.5% | -4.8 pts |
| Loan growth (YoY) | +0.2% | +2.6% | -2.4 pts |
| ROA | -0.26% | 0.99% | -1.3 pts |
| ROE | -2.3% | 8.1% | -10.3 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.1M | $47.8M | $40.4M | $6.2M | $-71K | -0.26% | 2.06% | 0.50% |
| Q1 2026 | $54.6M | $48.2M | $40.2M | $6.3M | $-26K | -0.19% | 2.05% | 0.65% |
| Q4 2025 | $55.1M | $48.7M | $41.1M | $6.3M | $-360K | -0.64% | 1.74% | 1.18% |
| Q3 2025 | $57.3M | $49.9M | $40.3M | $6.4M | $-282K | -0.67% | 1.70% | 0.48% |
| Q2 2025 | $56.4M | $48.9M | $40.3M | $6.5M | $-205K | -0.73% | 1.65% | 0.03% |
| Q1 2025 | $57.3M | $49.6M | $40.1M | $6.6M | $-94K | -0.67% | 1.62% | 0.12% |
| Q4 2024 | $54.8M | $47.0M | $40.7M | $6.7M | $-416K | -0.76% | 1.65% | 0.53% |
| Q3 2024 | $55.1M | $47.1M | $41.1M | $6.9M | $-219K | -0.53% | 1.70% | 0.00% |
Loan mix (Q2 2026): real estate $40.8M · commercial $0 · consumer $101K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 0.99% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -2.3% | 8.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.6% | 70.8% | 91st |
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.
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).
1 branches in 1 county across 1 state (+0 vs 2025) · $47.8M branch deposits. Biggest market: Edgecombe, NC, ranked 6th with 6.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Edgecombe, NC | 1 | $47.8M | 6.20% | 6th |
North Carolina: 123rd with 0.01% · Rocky Mount metro: 12th, 0.92% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1