| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.4% | -5.2 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.8 pts |
| Loan growth (YoY) | -1.7% | +5.6% | -7.3 pts |
| ROA | 0.69% | 1.24% | -0.6 pts |
| ROE | 7.7% | 11.9% | -4.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $109.9M | $79.1M | $95.2M | $9.9M | $376K | 0.69% | 3.02% | 0.13% |
| Q1 2026 | $110.7M | $78.2M | $95.7M | $9.8M | $148K | 0.54% | 2.92% | 0.12% |
| Q4 2025 | $107.6M | $77.5M | $96.2M | $9.6M | $425K | 0.40% | 2.80% | 0.13% |
| Q3 2025 | $106.3M | $76.2M | $94.3M | $9.6M | $356K | 0.44% | 2.76% | 0.00% |
| Q2 2025 | $110.8M | $76.6M | $96.9M | $9.4M | $234K | 0.44% | 2.70% | 0.00% |
| Q1 2025 | $107.6M | $74.8M | $95.6M | $9.3M | $104K | 0.39% | 2.64% | 0.00% |
| Q4 2024 | $103.6M | $72.1M | $93.3M | $9.1M | $132K | 0.13% | 2.31% | 0.00% |
| Q3 2024 | $102.4M | $70.8M | $90.4M | $9.1M | $101K | 0.14% | 2.24% | 0.00% |
Loan mix (Q2 2026): real estate $93.2M · commercial $1.5M · consumer $1.6M · securities $1.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 62.9% | 74th |
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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $76.6M branch deposits. Biggest market: Logan, OH, ranked 8th with 4.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Logan, OH | 1 | $62.2M | 4.77% | 8th |
| Shelby, OH | 1 | $14.4M | 0.94% | 12th |
Ohio: 241st with 0.01% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2