| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.9% | -0.2 pts |
| Deposit growth (YoY) | +4.3% | +4.3% | -0.1 pts |
| Loan growth (YoY) | +9.6% | +5.3% | +4.2 pts |
| ROA | 0.85% | 1.28% | -0.4 pts |
| ROE | 11.6% | 12.4% | -0.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $747.8M | $664.7M | $564.2M | $54.8M | $3.1M | 0.85% | 3.89% | 0.01% |
| Q1 2026 | $731.3M | $651.0M | $548.9M | $53.5M | $1.4M | 0.75% | 3.76% | 0.02% |
| Q4 2025 | $721.2M | $643.3M | $534.5M | $52.7M | $5.2M | 0.74% | 3.52% | 0.01% |
| Q3 2025 | $725.5M | $646.5M | $524.4M | $50.9M | $3.5M | 0.67% | 3.43% | 0.01% |
| Q2 2025 | $714.5M | $637.5M | $515.0M | $48.8M | $2.2M | 0.64% | 3.38% | 0.01% |
| Q1 2025 | $702.3M | $632.1M | $501.7M | $47.2M | $873K | 0.51% | 3.34% | 0.01% |
| Q4 2024 | $672.5M | $599.2M | $491.9M | $45.4M | $3.0M | 0.47% | 3.19% | 0.01% |
| Q3 2024 | $672.7M | $599.7M | $494.9M | $45.2M | $2.1M | 0.45% | 3.13% | 0.02% |
Loan mix (Q2 2026): real estate $506.1M · commercial $28.4M · consumer $29.0M · securities $129.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.28% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 61.2% | 78th |
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.
9 branches in 4 counties across 1 state (+0 vs 2024) · $637.5M branch deposits. Biggest market: Ottawa, OH, ranked 1st with 25.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ottawa, OH | 3 | $342.3M | 25.42% | 1st |
| Lucas, OH | 4 | $232.1M | 1.82% | 10th |
| Wood, OH | 1 | $49.1M | 1.51% | 14th |
| 1 more county with Pro → | ||||
Ohio: 65th with 0.11% · Sandusky metro: 3rd, 8.91% · Toledo metro: 12th, 1.62% ·
Branch count: 2022 8 · 2023 8 · 2024 9 · 2025 9