| Metric | The Bank of Protection | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +56.8% | +4.4% | +52.4 pts |
| Deposit growth (YoY) | +58.4% | +4.0% | +54.4 pts |
| Loan growth (YoY) | +69.8% | +5.6% | +64.2 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 13.9% | 11.9% | +2.0 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $154.4M | $122.0M | $107.5M | $17.5M | $1.2M | 1.60% | 4.61% | 0.03% |
| Q1 2026 | $150.2M | $116.9M | $101.8M | $17.4M | $568K | 1.53% | 4.71% | 0.15% |
| Q4 2025 | $145.9M | $118.5M | $97.7M | $16.9M | $1.7M | 1.56% | 4.44% | 0.04% |
| Q3 2025 | $92.8M | $76.5M | $57.1M | $14.0M | $1.2M | 1.64% | 4.40% | 0.09% |
| Q2 2025 | $98.5M | $77.0M | $63.3M | $13.2M | $857K | 1.75% | 4.35% | 0.09% |
| Q1 2025 | $96.8M | $76.6M | $59.7M | $12.9M | $446K | 1.82% | 4.43% | 0.53% |
| Q4 2024 | $98.7M | $77.2M | $61.4M | $12.3M | $1.5M | 1.53% | 4.16% | 0.04% |
| Q3 2024 | $92.6M | $70.1M | $54.3M | $12.6M | $1.1M | 1.61% | 4.14% | 0.05% |
Loan mix (Q2 2026): real estate $39.3M · commercial $6.7M · consumer $3.5M · securities $32.4M
| Ratio | The Bank of Protection | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 62.9% | 12th |
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 Protection | 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 Protection | 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 Protection | 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 Protection | 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 Protection | 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 up 44% in 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).
5 branches in 3 counties across 1 state (+2 vs 2025) · $122.0M branch deposits. Biggest market: Comanche, KS, ranked 1st with 59.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Comanche, KS | 2 | $59.9M | 59.75% | 1st |
| Kiowa, KS | 2 | $36.8M | 30.10% | 2nd |
| Clark, KS | 1 | $25.3M | 18.10% | 3rd |
Kansas: 162nd with 0.10% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 5
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Oct 3, 2025 | Acquirer | — | Merger | Completed | FDIC |