| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +4.4% | +6.8 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | +57.5% | +5.6% | +51.9 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 22.8% | 11.9% | +10.9 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $132.9M | $119.3M | $21.6M | $7.8M | $905K | 1.38% | 2.93% | 0.00% |
| Q1 2026 | $132.5M | $124.4M | $16.8M | $8.0M | $488K | 1.51% | 2.87% | 0.00% |
| Q4 2025 | $126.8M | $118.7M | $15.4M | $8.0M | $1.2M | 0.97% | 2.89% | 0.00% |
| Q3 2025 | $122.1M | $114.1M | $14.5M | $7.9M | $1.0M | 1.13% | 2.88% | 0.03% |
| Q2 2025 | $119.6M | $114.7M | $13.7M | $4.8M | $647K | 1.07% | 2.89% | 0.00% |
| Q1 2025 | $121.4M | $115.3M | $11.3M | $6.0M | $316K | 1.04% | 2.76% | 0.00% |
| Q4 2024 | $120.7M | $115.6M | $9.0M | $5.0M | $1.2M | 0.97% | 2.90% | 0.00% |
| Q3 2024 | $119.4M | $112.2M | $9.6M | $7.1M | $1.0M | 1.15% | 2.99% | 0.00% |
Loan mix (Q2 2026): real estate $7.5M · commercial $12.6M · consumer $398K · securities $100.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 22.8% | 11.9% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 62.9% | 23rd |
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) · $119.3M branch deposits. Biggest market: White Pine, NV, ranked 1st with 37.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| White Pine, NV | 1 | $119.3M | 37.19% | 1st |
Nevada: 53rd with 0.09% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend down 41% 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).