| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.5% | -0.6 pts |
| Deposit growth (YoY) | +3.5% | +5.1% | -1.5 pts |
| Loan growth (YoY) | +3.6% | +5.9% | -2.3 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 14.7% | 12.2% | +2.6 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.00B | $1.67B | $856.2M | $194.9M | $13.9M | 1.42% | 3.31% | 0.01% |
| Q1 2026 | $1.94B | $1.62B | $845.9M | $188.9M | $6.8M | 1.40% | 3.23% | 0.03% |
| Q4 2025 | $1.95B | $1.62B | $826.3M | $184.4M | $23.2M | 1.23% | 3.16% | 0.02% |
| Q3 2025 | $1.91B | $1.62B | $823.4M | $188.5M | $16.8M | 1.19% | 3.12% | 0.02% |
| Q2 2025 | $1.90B | $1.61B | $826.6M | $179.3M | $10.3M | 1.11% | 2.98% | 0.04% |
| Q1 2025 | $1.87B | $1.58B | $806.7M | $171.5M | $4.7M | 1.03% | 2.87% | 0.05% |
| Q4 2024 | $1.81B | $1.54B | $783.6M | $163.8M | $18.3M | 1.01% | 2.73% | 0.05% |
| Q3 2024 | $1.85B | $1.56B | $784.3M | $169.5M | $13.3M | 0.98% | 2.64% | 0.05% |
Loan mix (Q2 2026): real estate $708.2M · commercial $96.7M · consumer $58.6M · securities $890.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Conway National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 12.2% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.9% | 59.0% | 18th |
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 Conway National 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 Conway National 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 Conway National 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 Conway National 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 Conway National 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.
16 branches in 2 counties across 1 state (+0 vs 2024) · $1.61B branch deposits. Biggest market: Horry, SC, ranked 1st with 11.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Horry, SC | 14 | $1.44B | 11.89% | 1st |
| Georgetown, SC | 2 | $168.2M | 7.29% | 8th |
South Carolina: 18th with 1.07% · Myrtle Beach-Conway-North Myrtle Beach metro: 1st, 11.89% ·
Branch count: 2022 16 · 2023 16 · 2024 16 · 2025 16