| Metric | The Claxton Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +28.1% | +4.4% | +23.8 pts |
| Deposit growth (YoY) | +23.3% | +4.0% | +19.3 pts |
| Loan growth (YoY) | +37.6% | +5.6% | +32.1 pts |
| ROA | 0.34% | 1.24% | -0.9 pts |
| ROE | 2.8% | 11.9% | -9.1 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $304.8M | $249.1M | $212.3M | $35.6M | $486K | 0.34% | 4.08% | 1.78% |
| Q1 2026 | $294.8M | $251.1M | $209.8M | $35.2M | $93K | 0.13% | 4.07% | 0.29% |
| Q4 2025 | $265.3M | $228.4M | $171.6M | $35.3M | $1.0M | 0.43% | 4.47% | 0.31% |
| Q3 2025 | $259.7M | $223.2M | $161.5M | $34.8M | $842K | 0.47% | 4.52% | 0.39% |
| Q2 2025 | $237.9M | $202.1M | $154.2M | $34.1M | $614K | 0.54% | 4.63% | 0.43% |
| Q1 2025 | $227.2M | $192.2M | $134.9M | $33.6M | $227K | 0.40% | 4.44% | 0.42% |
| Q4 2024 | $222.8M | $188.1M | $119.2M | $33.0M | $892K | 0.47% | 4.45% | 0.38% |
| Q3 2024 | $197.3M | $162.1M | $106.5M | $33.5M | $775K | 0.57% | 4.43% | 0.24% |
Loan mix (Q2 2026): real estate $189.0M · commercial $23.0M · consumer $3.5M · securities $52.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Claxton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 84.6% |
| 62.9% |
| — |
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 Claxton 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 Claxton 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 Claxton 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 Claxton 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 Claxton 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.
4 branches in 3 counties across 2 states (+1 vs 2024) · $202.1M branch deposits. Biggest market: Evans, GA, ranked 1st with 54.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Evans, GA | 2 | $148.5M | 54.94% | 1st |
| Duval, FL | 1 | $29.7M | 0.03% | 37th |
| Bryan, GA | 1 | $23.9M | 1.97% | 8th |
Georgia: 146th with 0.05% · Florida: 270th with 0.00% · Jacksonville metro: 48th, 0.02% · Savannah metro: 32nd, 0.23% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 4