No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.04B | $875.0M | $769.4M | $104.1M | $2.3M | 0.45% | 2.90% | 2.51% |
| Q1 2026 | $1.05B | $917.9M | $775.3M | $102.9M | $1.6M | 0.60% | 2.86% | 2.20% |
| Q4 2025 | $1.06B | $915.3M | $752.9M | $101.8M | $2.0M | 0.19% | 2.88% | 2.64% |
| Q3 2025 | $1.03B | $855.3M | $741.5M | $105.7M | $5.2M | 0.65% | 2.92% | 1.49% |
| Q2 2025 | $1.07B | $919.2M | $739.9M | $102.4M | $3.7M | 0.69% | 2.96% | 0.99% |
| Q1 2025 | $1.08B | $911.4M | $751.7M | $101.8M | $2.4M | 0.89% | 3.11% | 0.99% |
| Q4 2024 | $1.09B | $910.8M | $767.3M | $99.0M | $6.4M | 0.59% | 2.55% | 1.26% |
| Q3 2024 | $1.10B | $889.7M | $772.7M | $100.3M | $4.8M | 0.59% | 2.53% | 1.07% |
Loan mix (Q2 2026): real estate $580.3M · commercial $178.1M · consumer $20.3M · securities $168.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | — | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | — | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | — |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | — | 92nd |
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 3 counties across 1 state (+0 vs 2024) · $919.2M branch deposits. Biggest market: Fairfax (City), VA, ranked 4th with 11.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fairfax (City), VA | 1 | $714.9M | 10.96% | 4th |
| Fairfax, VA | 3 | $129.4M | 0.10% | 38th |
| Prince William, VA | 1 | $75.0M | 0.67% | 18th |
Virginia: 49th with 0.23% · Washington-Arlington-Alexandria metro: 36th, 0.25% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5