| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +16.9% | +5.6% | +11.3 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $229.0M | $214.7M | $108.6M | $13.3M | $1.0M | 0.91% | 3.24% | 0.00% |
| Q1 2026 | $232.0M | $214.3M | $106.7M | $17.1M | $435K | 0.76% | 3.18% | 0.00% |
| Q4 2025 | $224.2M | $199.7M | $107.0M | $17.5M | $1.6M | 0.71% | 2.97% | 0.00% |
| Q3 2025 | $220.9M | $197.7M | $99.0M | $16.8M | $1.2M | 0.73% | 2.91% | 0.00% |
| Q2 2025 | $222.6M | $207.6M | $92.9M | $14.5M | $790K | 0.72% | 2.86% | 0.00% |
| Q1 2025 | $219.7M | $204.7M | $87.3M | $14.5M | $394K | 0.73% | 2.86% | 0.02% |
| Q4 2024 | $212.7M | $196.5M | $87.4M | $12.8M | $1.1M | 0.50% | 2.58% | 0.00% |
| Q3 2024 | $213.2M | $193.6M | $82.8M | $15.3M | $789K | 0.49% | 2.52% | 0.00% |
Loan mix (Q2 2026): real estate $78.6M · commercial $5.6M · consumer $4.4M · securities $110.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 62.9% | 69th |
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.
7 branches in 5 counties across 1 state (+0 vs 2024) · $207.6M branch deposits. Biggest market: Cloud, KS, ranked 3rd with 17.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cloud, KS | 2 | $61.2M | 17.78% | 3rd |
| Leavenworth, KS | 2 | $58.3M | 2.53% | 12th |
| Republic, KS | 1 | $36.8M | 15.03% | 4th |
| 2 more counties with Pro → | ||||
Kansas: 107th with 0.18% · Kansas City metro: 104th, 0.06% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7