| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -5.0 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.8 pts |
| Loan growth (YoY) | -5.1% | +5.6% | -10.7 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 20.1% | 11.9% | +8.3 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $493.1M | $439.9M | $301.6M | $33.7M | $3.5M | 1.38% | 3.57% | 0.59% |
| Q1 2026 | $503.4M | $443.3M | $312.6M | $34.7M | $2.2M | 1.74% | 3.45% | 0.63% |
| Q4 2025 | $520.5M | $462.7M | $310.5M | $35.5M | $8.3M | 1.64% | 3.39% | 0.63% |
| Q3 2025 | $499.2M | $430.6M | $319.1M | $33.9M | $6.8M | 1.80% | 3.39% | 1.21% |
| Q2 2025 | $496.0M | $430.8M | $317.9M | $29.4M | $4.4M | 1.75% | 3.39% | 1.22% |
| Q1 2025 | $500.8M | $433.8M | $330.2M | $29.4M | $2.4M | 1.86% | 3.44% | 1.37% |
| Q4 2024 | $517.1M | $451.2M | $326.5M | $29.3M | $9.4M | 1.85% | 3.56% | 0.01% |
| Q3 2024 | $509.5M | $435.8M | $338.3M | $30.8M | $7.1M | 1.87% | 3.53% | 0.03% |
Loan mix (Q2 2026): real estate $184.3M · commercial $28.8M · consumer $1.2M · securities $139.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 20.1% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 62.9% | 29th |
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 2 counties across 1 state (+0 vs 2024) · $430.8M branch deposits. Biggest market: Curry, NM, ranked 1st with 29.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Curry, NM | 4 | $369.7M | 29.33% | 1st |
| DeBaca, NM | 1 | $61.1M | 100.00% | 1st |
New Mexico: 32nd with 0.69% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5