| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.4% | +3.7 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +3.7% | +5.6% | -1.9 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $285.8M | $247.2M | $205.6M | $35.1M | $2.0M | 1.42% | 4.75% | 0.81% |
| Q1 2026 | $278.4M | $240.9M | $200.2M | $34.0M | $1.0M | 1.48% | 4.86% | 0.66% |
| Q4 2025 | $274.2M | $237.2M | $199.6M | $33.6M | $4.3M | 1.62% | 5.10% | 0.14% |
| Q3 2025 | $269.2M | $233.4M | $201.7M | $32.2M | $3.0M | 1.50% | 5.08% | 0.28% |
| Q2 2025 | $264.6M | $230.0M | $198.3M | $31.4M | $2.0M | 1.49% | 5.01% | 0.45% |
| Q1 2025 | $268.0M | $234.2M | $196.2M | $30.3M | $1.1M | 1.60% | 4.97% | 0.48% |
| Q4 2024 | $266.3M | $233.6M | $196.2M | $29.4M | $3.8M | 1.49% | 5.03% | 0.50% |
| Q3 2024 | $259.4M | $227.1M | $195.0M | $28.5M | $2.3M | 1.20% | 4.99% | 0.61% |
Loan mix (Q2 2026): real estate $158.0M · commercial $40.3M · consumer $7.1M · securities $27.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
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.
7 branches in 1 county across 1 state (+0 vs 2024) · $230.0M branch deposits. Biggest market: Putnam, OH, ranked 2nd with 17.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Putnam, OH | 7 | $230.0M | 17.73% | 2nd |
Ohio: 130th with 0.04% ·
Branch count: 2022 6 · 2023 7 · 2024 7 · 2025 7