| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +3.0% | +4.7 pts |
| Deposit growth (YoY) | +3.6% | +2.5% | +1.1 pts |
| Loan growth (YoY) | +15.7% | +2.6% | +13.1 pts |
| ROA | 2.31% | 0.99% | +1.3 pts |
| ROE | 26.4% | 8.1% | +18.3 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $80.2M | $71.1M | $53.4M | $7.4M | $947K | 2.31% | 4.79% | 0.47% |
| Q1 2026 | $79.4M | $70.8M | $51.9M | $7.4M | $535K | 2.59% | 4.75% | 0.48% |
| Q4 2025 | $85.9M | $78.9M | $50.4M | $6.8M | $1.5M | 1.90% | 4.67% | 0.30% |
| Q3 2025 | $77.2M | $70.4M | $47.3M | $6.5M | $1.1M | 2.01% | 4.72% | 0.36% |
| Q2 2025 | $74.5M | $68.6M | $46.2M | $5.7M | $768K | 2.07% | 4.68% | 0.03% |
| Q1 2025 | $73.9M | $68.0M | $43.5M | $5.7M | $342K | 1.84% | 4.61% | 0.04% |
| Q4 2024 | $74.6M | $69.1M | $42.4M | $5.4M | $1.3M | 1.72% | 4.33% | 0.12% |
| Q3 2024 | $68.8M | $63.1M | $39.6M | $5.4M | $1.0M | 1.86% | 4.30% | 0.11% |
Loan mix (Q2 2026): real estate $37.0M · commercial $3.5M · consumer $2.8M · securities $23.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.31% | 0.99% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 26.4% | 8.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.9% | 70.8% | 11th |
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.
4 branches in 2 counties across 1 state (+0 vs 2025) · $71.1M branch deposits. Biggest market: Elk, KS, ranked 1st with 62.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Elk, KS | 2 | $38.3M | 62.87% | 1st |
| Chautauqua, KS | 2 | $32.8M | 47.56% | 2nd |
Kansas: 203rd with 0.06% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (31 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).