| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +5.5% | -4.1 pts |
| Deposit growth (YoY) | +1.4% | +5.1% | -3.7 pts |
| Loan growth (YoY) | +1.8% | +5.9% | -4.1 pts |
| ROA | 1.79% | 1.26% | +0.5 pts |
| ROE | 12.9% | 12.2% | +0.8 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.11B | $890.6M | $916.9M | $159.6M | $10.0M | 1.79% | 4.44% | 1.07% |
| Q1 2026 | $1.12B | $897.9M | $897.3M | $155.4M | $5.8M | 2.06% | 4.33% | 1.11% |
| Q4 2025 | $1.12B | $900.2M | $894.5M | $149.9M | $17.0M | 1.55% | 4.28% | 1.05% |
| Q3 2025 | $1.11B | $888.2M | $907.3M | $150.7M | $12.2M | 1.49% | 4.25% | 1.88% |
| Q2 2025 | $1.10B | $878.4M | $900.4M | $146.5M | $8.1M | 1.49% | 4.17% | 1.28% |
| Q1 2025 | $1.08B | $862.9M | $885.4M | $142.2M | $3.8M | 1.42% | 4.10% | 1.43% |
| Q4 2024 | $1.07B | $857.0M | $865.9M | $138.2M | $13.5M | 1.32% | 4.17% | 1.34% |
| Q3 2024 | $1.03B | $811.4M | $874.0M | $139.6M | $10.4M | 1.38% | 4.19% | 1.31% |
Loan mix (Q2 2026): real estate $756.6M · commercial $97.3M · consumer $31.8M · securities $116.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.26% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 12.2% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.9% | 59.0% | 28th |
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.
10 branches in 6 counties across 1 state (+0 vs 2024) · $878.4M branch deposits. Biggest market: Evangeline, LA, ranked 1st with 50.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Evangeline, LA | 2 | $401.8M | 50.71% | 1st |
| Rapides, LA | 4 | $263.6M | 7.01% | 3rd |
| Acadia, LA | 1 | $71.1M | 5.78% | 7th |
| 3 more counties with Pro → | ||||
Louisiana: 29th with 0.60% · Alexandria metro: 3rd, 6.73% · Lafayette metro: 20th, 1.03% ·
Branch count: 2022 11 · 2023 10 · 2024 10 · 2025 10