| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.4% | -1.9 pts |
| Deposit growth (YoY) | +2.0% | +4.0% | -2.0 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 1.45% | 1.24% | +0.2 pts |
| ROE | 9.0% | 11.9% | -2.9 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $171.8M | $139.3M | $44.9M | $27.5M | $1.2M | 1.45% | 3.33% | 0.14% |
| Q1 2026 | $172.5M | $139.8M | $44.8M | $27.7M | $575K | 1.35% | 3.23% | 0.08% |
| Q4 2025 | $169.1M | $136.7M | $45.7M | $27.5M | $2.0M | 1.22% | 3.15% | 0.11% |
| Q3 2025 | $164.3M | $131.4M | $46.3M | $27.6M | $1.5M | 1.22% | 3.13% | 0.07% |
| Q2 2025 | $167.7M | $136.6M | $45.3M | $26.0M | $964K | 1.15% | 3.06% | 0.09% |
| Q1 2025 | $172.4M | $142.0M | $45.3M | $25.4M | $461K | 1.11% | 2.99% | 0.06% |
| Q4 2024 | $161.1M | $132.0M | $46.0M | $24.4M | $1.6M | 0.99% | 2.73% | 0.13% |
| Q3 2024 | $162.9M | $132.5M | $45.8M | $25.4M | $1.3M | 1.04% | 2.68% | 0.11% |
Loan mix (Q2 2026): real estate $24.8M · commercial $2.2M · consumer $15.0M · securities $98.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.24% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 11.9% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 62.9% | 48th |
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 1 county across 1 state (+0 vs 2024) · $136.6M branch deposits. Biggest market: McIntosh, OK, ranked 1st with 32.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McIntosh, OK | 3 | $136.6M | 32.58% | 1st |
Oklahoma: 145th with 0.09% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3