| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.6 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.3 pts |
| Loan growth (YoY) | -1.6% | +5.6% | -7.2 pts |
| ROA | 1.23% | 1.24% | -0.0 pts |
| ROE | 18.3% | 11.9% | +6.4 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $188.6M | $170.4M | $103.2M | $12.4M | $1.1M | 1.23% | 3.82% | 0.74% |
| Q1 2026 | $184.4M | $165.6M | $100.9M | $12.7M | $529K | 1.16% | 3.74% | 0.00% |
| Q4 2025 | $180.2M | $162.3M | $106.6M | $12.2M | $2.2M | 1.23% | 3.72% | 0.02% |
| Q3 2025 | $174.2M | $156.4M | $107.3M | $11.7M | $1.6M | 1.22% | 3.68% | 0.05% |
| Q2 2025 | $177.9M | $161.9M | $104.9M | $10.1M | $1.1M | 1.22% | 3.60% | 0.05% |
| Q1 2025 | $178.8M | $163.2M | $102.5M | $9.7M | $497K | 1.12% | 3.44% | 0.04% |
| Q4 2024 | $175.9M | $161.4M | $103.9M | $8.1M | $1.2M | 0.71% | 3.03% | 0.26% |
| Q3 2024 | $173.8M | $157.8M | $98.2M | $9.6M | $743K | 0.58% | 2.91% | 0.04% |
Loan mix (Q2 2026): real estate $69.2M · commercial $13.1M · consumer $4.7M · securities $50.2M
| Ratio | The Bank of Beaver City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 11.9% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.9% | 62.9% | 64th |
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 | The Bank of Beaver City | 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 | The Bank of Beaver City | 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 | The Bank of Beaver City | 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 | The Bank of Beaver City | 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 | The Bank of Beaver City | 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) · $161.9M branch deposits. Biggest market: Beaver, OK, ranked 2nd with 40.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beaver, OK | 1 | $87.9M | 40.27% | 2nd |
| Seward, KS | 1 | $74.1M | 12.96% | 3rd |
Oklahoma: 177th with 0.06% · Kansas: 192nd with 0.07% ·
Branch count: 2022 3 · 2023 3 · 2024 2 · 2025 2