| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.3% | +4.4% | +11.0 pts |
| Deposit growth (YoY) | +14.9% | +4.0% | +10.9 pts |
| Loan growth (YoY) | +35.4% | +5.6% | +29.8 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 10.8% | 11.9% | -1.0 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $163.0M | $145.5M | $114.7M | $16.4M | $862K | 1.09% | 3.85% | 0.00% |
| Q1 2026 | $162.6M | $145.6M | $109.9M | $16.0M | $385K | 0.99% | 3.81% | 0.00% |
| Q4 2025 | $148.6M | $130.7M | $102.8M | $15.4M | $1.5M | 1.06% | 3.80% | 0.00% |
| Q3 2025 | $143.8M | $127.8M | $89.8M | $14.9M | $1.2M | 1.14% | 3.78% | 0.03% |
| Q2 2025 | $141.3M | $126.7M | $84.7M | $13.7M | $720K | 1.04% | 3.73% | 0.00% |
| Q1 2025 | $140.6M | $126.2M | $85.1M | $13.5M | $331K | 0.96% | 3.66% | 0.00% |
| Q4 2024 | $133.9M | $120.3M | $83.5M | $12.8M | $1.1M | 0.85% | 3.66% | 0.00% |
| Q3 2024 | $135.8M | $121.5M | $80.3M | $13.3M | $852K | 0.87% | 3.65% | 0.00% |
Loan mix (Q2 2026): real estate $96.3M · commercial $7.2M · consumer $7.0M · securities $33.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 11.9% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 62.9% | 50th |
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.
2 branches in 1 county across 1 state (+0 vs 2025) · $145.5M branch deposits. Biggest market: Marion, KY, ranked 2nd with 24.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, KY | 2 | $145.5M | 24.88% | 2nd |
Kentucky: 132nd with 0.10% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Spends 1.9× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).