| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.9% | -1.9 pts |
| Deposit growth (YoY) | +2.4% | +4.3% | -2.0 pts |
| Loan growth (YoY) | -11.5% | +5.3% | -16.8 pts |
| ROA | 3.74% | 1.28% | +2.5 pts |
| ROE | 18.4% | 12.5% | +6.0 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $670.3M | $489.2M | $265.5M | $140.0M | $12.2M | 3.74% | 4.65% | 0.04% |
| Q1 2026 | $631.8M | $487.7M | $261.6M | $128.5M | $2.8M | 1.75% | 4.55% | 0.05% |
| Q4 2025 | $651.2M | $479.8M | $277.6M | $127.7M | $12.9M | 1.97% | 4.48% | 0.05% |
| Q3 2025 | $649.8M | $489.0M | $288.2M | $126.3M | $8.8M | 1.77% | 4.43% | 0.02% |
| Q2 2025 | $650.6M | $477.8M | $299.9M | $119.0M | $5.9M | 1.78% | 4.38% | 0.02% |
| Q1 2025 | $663.9M | $491.8M | $309.8M | $117.7M | $2.7M | 1.62% | 4.32% | 0.02% |
| Q4 2024 | $674.4M | $496.3M | $321.9M | $112.8M | $12.9M | 1.91% | 4.32% | 0.02% |
| Q3 2024 | $675.3M | $494.8M | $331.7M | $119.0M | $8.8M | 1.73% | 4.29% | 0.09% |
Loan mix (Q2 2026): real estate $69.3M · commercial $15.1M · consumer $181.9M · securities $336.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.74% | 1.28% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 12.5% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.3% | 61.1% | 3rd |
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).
15 branches in 11 counties across 1 state (+0 vs 2025) · $489.2M branch deposits. Biggest market: Dinwiddie, VA, ranked 1st with 42.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dinwiddie, VA | 3 | $159.5M | 42.45% | 1st |
| Prince George, VA | 1 | $75.7M | 17.94% | 3rd |
| Sussex, VA | 2 | $51.4M | 31.15% | 2nd |
| 8 more counties with Pro → | ||||
Virginia: 68th with 0.12% · Richmond metro: 18th, 0.57% · Virginia Beach-Chesapeake-Norfolk metro: 39th, 0.03% ·
Branch count: 2022 15 · 2023 15 · 2024 15 · 2025 15 · 2026 15