| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +3.0% | +2.1 pts |
| Deposit growth (YoY) | +3.9% | +2.5% | +1.4 pts |
| Loan growth (YoY) | +9.9% | +2.6% | +7.3 pts |
| ROA | 1.62% | 0.99% | +0.6 pts |
| ROE | 11.0% | 8.1% | +2.9 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.5M | $47.1M | $16.8M | $8.3M | $461K | 1.62% | 3.54% | 0.00% |
| Q1 2026 | $58.0M | $49.3M | $20.9M | $8.5M | $232K | 1.61% | 3.68% | 0.00% |
| Q4 2025 | $57.2M | $48.8M | $22.2M | $8.3M | $607K | 1.10% | 3.28% | 0.00% |
| Q3 2025 | $54.8M | $46.5M | $15.9M | $8.1M | $541K | 1.32% | 3.28% | 0.01% |
| Q2 2025 | $52.8M | $45.3M | $15.3M | $7.4M | $372K | 1.36% | 3.30% | 0.01% |
| Q1 2025 | $55.0M | $46.2M | $22.6M | $7.5M | $197K | 1.41% | 3.40% | 0.02% |
| Q4 2024 | $56.4M | $49.4M | $18.9M | $6.9M | $552K | 1.03% | 3.19% | 0.03% |
| Q3 2024 | $52.6M | $44.6M | $12.3M | $7.8M | $487K | 1.23% | 3.19% | 0.05% |
Loan mix (Q2 2026): real estate $4.4M · commercial $694K · consumer $1.6M · securities $27.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.99% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 8.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 70.8% | 12th |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $47.1M branch deposits. Biggest market: Jefferson, OK, ranked 2nd with 24.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, OK | 1 | $47.1M | 24.39% | 2nd |
Oklahoma: 212th with 0.03% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (29 bps of assets, 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).