| Metric | The Callaway Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.9% | -2.3 pts |
| Deposit growth (YoY) | +6.5% | +4.3% | +2.2 pts |
| Loan growth (YoY) | +1.8% | +5.3% | -3.5 pts |
| ROA | 1.37% | 1.28% | +0.1 pts |
| ROE | 14.6% | 12.4% | +2.1 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $511.5M | $429.6M | $377.4M | $50.0M | $3.5M | 1.37% | 4.45% | 0.58% |
| Q1 2026 | $539.8M | $456.8M | $375.5M | $48.4M | $1.6M | 1.25% | 4.30% | 0.59% |
| Q4 2025 | $497.5M | $412.9M | $376.0M | $47.3M | $5.0M | 1.01% | 4.18% | 0.58% |
| Q3 2025 | $507.7M | $411.1M | $377.1M | $46.7M | $4.0M | 1.08% | 4.09% | 0.70% |
| Q2 2025 | $498.8M | $403.4M | $370.6M | $44.8M | $2.8M | 1.11% | 4.01% | 0.39% |
| Q1 2025 | $493.7M | $409.0M | $376.0M | $43.2M | $1.2M | 0.97% | 3.86% | 0.50% |
| Q4 2024 | $499.1M | $417.8M | $367.9M | $41.4M | $3.7M | 0.75% | 3.64% | 0.58% |
| Q3 2024 | $496.7M | $412.2M | $375.8M | $43.2M | $2.6M | 0.71% | 3.57% | 0.25% |
Loan mix (Q2 2026): real estate $304.8M · commercial $45.3M · consumer $3.5M · securities $76.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Callaway Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.28% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 61.2% | 49th |
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 Callaway 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 Callaway 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 Callaway 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 Callaway 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 Callaway 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.
7 branches in 2 counties across 1 state (+0 vs 2024) · $403.4M branch deposits. Biggest market: Callaway, MO, ranked 2nd with 35.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Callaway, MO | 3 | $259.4M | 35.53% | 2nd |
| Boone, MO | 4 | $144.0M | 2.32% | 9th |
Missouri: 93rd with 0.14% · Jefferson City metro: 8th, 3.45% · Columbia metro: 11th, 2.05% ·
Branch count: 2022 8 · 2023 8 · 2024 7 · 2025 7