| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +30.7% | +4.4% | +26.4 pts |
| Deposit growth (YoY) | +39.5% | +4.0% | +35.5 pts |
| Loan growth (YoY) | +23.1% | +5.6% | +17.5 pts |
| ROA | 1.32% | 1.24% | +0.1 pts |
| ROE | 11.2% | 11.9% | -0.7 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $396.1M | $295.1M | $263.4M | $46.9M | $2.5M | 1.32% | 3.54% | 0.01% |
| Q1 2026 | $389.1M | $299.5M | $263.5M | $45.3M | $1.2M | 1.29% | 3.46% | 0.41% |
| Q4 2025 | $374.4M | $285.7M | $251.3M | $44.9M | $3.9M | 1.18% | 3.24% | 0.11% |
| Q3 2025 | $376.0M | $277.8M | $252.7M | $45.0M | $3.3M | 1.36% | 3.06% | 0.55% |
| Q2 2025 | $303.0M | $211.6M | $214.0M | $34.9M | $2.1M | 1.36% | 3.10% | 0.00% |
| Q1 2025 | $300.8M | $208.0M | $215.2M | $34.1M | $959K | 1.27% | 3.05% | 0.00% |
| Q4 2024 | $304.4M | $202.2M | $222.4M | $32.9M | $3.7M | 1.32% | 3.09% | 0.02% |
| Q3 2024 | $282.3M | $191.4M | $198.1M | $34.2M | $2.8M | 1.36% | 3.11% | 0.13% |
Loan mix (Q2 2026): real estate $164.7M · commercial $24.5M · consumer $3.4M · securities $97.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.7% | 62.9% | 17th |
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 2 counties across 1 state (+1 vs 2025) · $295.1M branch deposits. Biggest market: Logan, KS, ranked 1st with 72.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Logan, KS | 1 | $224.9M | 72.19% | 1st |
| Douglas, KS | 1 | $70.2M | 1.62% | 14th |
Kansas: 89th with 0.25% · Lawrence metro: 14th, 1.62% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2
Technology spend up 45% in 2025. 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).
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 5, 2025 | Acquirer | — | Merger | Completed | FDIC |