| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.4 pts |
| Loan growth (YoY) | -6.3% | +5.6% | -11.8 pts |
| ROA | 1.46% | 1.24% | +0.2 pts |
| ROE | 12.0% | 11.9% | +0.1 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $334.6M | $291.0M | $185.6M | $41.8M | $2.4M | 1.46% | 3.74% | 0.22% |
| Q1 2026 | $329.7M | $285.5M | $188.4M | $39.9M | $1.3M | 1.59% | 3.74% | 0.22% |
| Q4 2025 | $331.1M | $289.1M | $185.6M | $39.7M | $3.7M | 1.13% | 3.48% | 0.18% |
| Q3 2025 | $331.9M | $290.5M | $193.2M | $37.6M | $2.7M | 1.12% | 3.47% | 0.18% |
| Q2 2025 | $332.4M | $283.9M | $198.0M | $34.2M | $1.9M | 1.15% | 3.39% | 0.19% |
| Q1 2025 | $322.3M | $280.7M | $189.6M | $35.2M | $870K | 1.08% | 3.36% | 0.20% |
| Q4 2024 | $320.7M | $273.1M | $188.4M | $34.6M | $3.7M | 1.17% | 3.26% | 0.03% |
| Q3 2024 | $321.1M | $274.4M | $188.8M | $34.9M | $2.3M | 1.00% | 3.22% | 0.05% |
Loan mix (Q2 2026): real estate $161.2M · commercial $21.8M · consumer $6.7M · securities $124.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 11.9% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 62.9% | 41st |
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.
5 branches in 1 county across 1 state (+0 vs 2024) · $283.9M branch deposits. Biggest market: Washington, OH, ranked 2nd with 10.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, OH | 5 | $283.9M | 10.04% | 2nd |
Ohio: 111th with 0.05% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5