| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | +3.3% | +5.6% | -2.2 pts |
| ROA | 2.90% | 1.24% | +1.7 pts |
| ROE | 9.7% | 11.9% | -2.1 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $234.8M | $160.0M | $115.6M | $71.3M | $3.4M | 2.90% | 5.08% | 1.07% |
| Q1 2026 | $235.9M | $163.0M | $114.5M | $69.7M | $1.8M | 3.02% | 4.94% | 1.27% |
| Q4 2025 | $230.7M | $159.9M | $113.1M | $68.1M | $3.6M | 1.60% | 5.01% | 1.19% |
| Q3 2025 | $226.9M | $155.8M | $113.2M | $67.8M | $3.3M | 2.01% | 4.93% | 1.05% |
| Q2 2025 | $223.3M | $154.0M | $111.8M | $66.2M | $1.7M | 1.58% | 4.71% | 1.48% |
| Q1 2025 | $221.9M | $153.6M | $109.8M | $65.4M | $1.2M | 2.21% | 4.52% | 1.85% |
| Q4 2024 | $216.3M | $150.1M | $106.8M | $63.6M | $3.2M | 1.49% | 4.64% | 1.59% |
| Q3 2024 | $218.9M | $151.4M | $105.4M | $64.6M | $3.3M | 2.08% | 4.60% | 1.56% |
Loan mix (Q2 2026): real estate $90.3M · commercial $5.7M · consumer $18.1M · securities $67.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.90% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.0% | 62.9% | 4th |
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.
5 branches in 2 counties across 1 state (+0 vs 2025) · $160.0M branch deposits. Biggest market: Izard, AR, ranked 1st with 41.6% of deposits.
Arkansas: 85th with 0.14% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5