| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +4.4% | -6.1 pts |
| Deposit growth (YoY) | -6.6% | +4.0% | -10.6 pts |
| Loan growth (YoY) | +19.9% | +5.6% | +14.3 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 6.9% | 11.9% | -4.9 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $268.0M | $201.4M | $161.5M | $43.2M | $1.5M | 1.06% | 3.60% | 0.24% |
| Q1 2026 | $273.5M | $204.9M | $151.2M | $41.1M | $516K | 0.75% | 3.38% | 0.29% |
| Q4 2025 | $276.5M | $207.4M | $150.4M | $41.3M | $2.3M | 0.87% | 3.10% | 0.26% |
| Q3 2025 | $273.9M | $213.8M | $138.9M | $39.0M | $1.7M | 0.83% | 3.05% | 0.25% |
| Q2 2025 | $272.8M | $215.6M | $134.7M | $36.4M | $1.0M | 0.78% | 3.00% | 0.24% |
| Q1 2025 | $268.5M | $209.4M | $131.4M | $36.3M | $463K | 0.70% | 2.92% | 0.25% |
| Q4 2024 | $261.2M | $202.4M | $124.7M | $36.1M | $2.4M | 0.90% | 2.85% | 0.28% |
| Q3 2024 | $266.6M | $205.6M | $122.9M | $37.7M | $2.1M | 1.09% | 2.84% | 0.27% |
Loan mix (Q2 2026): real estate $139.6M · commercial $13.5M · consumer $9.3M · securities $80.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 11.9% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 62.9% | 29th |
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.
3 branches in 2 counties across 1 state (+0 vs 2024) · $215.6M branch deposits. Biggest market: Hamilton, OH, ranked 20th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, OH | 2 | $197.0M | 0.12% | 20th |
| Butler, OH | 1 | $18.6M | 0.20% | 24th |
Ohio: 137th with 0.04% · Cincinnati metro: 38th, 0.11% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3