| Metric | The Bankers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.6% | +4.4% | +9.2 pts |
| Deposit growth (YoY) | +18.8% | +4.0% | +14.9 pts |
| Loan growth (YoY) | +12.7% | +5.6% | +7.1 pts |
| ROA | 0.98% | 1.24% | -0.3 pts |
| ROE | 7.8% | 11.9% | -4.0 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $310.5M | $243.4M | $241.8M | $39.6M | $1.5M | 0.98% | 3.87% | 1.52% |
| Q1 2026 | $303.2M | $245.9M | $246.2M | $38.9M | $825K | 1.04% | 3.92% | 0.00% |
| Q4 2025 | $329.8M | $218.5M | $261.3M | $39.5M | $3.3M | 1.15% | 4.04% | 0.00% |
| Q3 2025 | $296.3M | $216.9M | $237.3M | $38.7M | $2.5M | 1.20% | 4.09% | 0.00% |
| Q2 2025 | $273.4M | $204.8M | $214.7M | $37.3M | $1.7M | 1.23% | 4.10% | 0.00% |
| Q1 2025 | $266.6M | $219.5M | $207.9M | $36.4M | $784K | 1.16% | 4.04% | 0.00% |
| Q4 2024 | $275.9M | $232.7M | $203.1M | $37.2M | $4.2M | 1.63% | 3.93% | 0.00% |
| Q3 2024 | $259.3M | $216.0M | $187.1M | $36.5M | $3.4M | 1.78% | 3.93% | 0.00% |
Loan mix (Q2 2026): real estate $182.6M · commercial $6.6M · consumer $94K · securities $14.5M
| Ratio | The Bankers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 62.9% | 86th |
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 Bankers Bank | 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 Bankers Bank | 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 Bankers Bank | 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 Bankers Bank | 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 Bankers Bank | 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.
Spends 4.7× the peer median on technology. 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).
2 branches in 2 counties across 2 states (+0 vs 2025) · $243.4M branch deposits. Biggest market: Oklahoma, OK, ranked 38th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oklahoma, OK | 1 | $243.4M | 0.45% | 38th |
| Collin, TX | 1 | $0 | 0.00% | 131st |
Oklahoma: 109th with 0.14% · Texas: 914th with 0.00% · Oklahoma City metro: 51st, 0.34% · Dallas-Fort Worth-Arlington metro: 295th, 0.00% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2