| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +4.4% | +7.2 pts |
| Deposit growth (YoY) | +11.5% | +4.0% | +7.6 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.6 pts |
| ROA | 1.71% | 1.24% | +0.5 pts |
| ROE | 11.9% | 11.9% | +0.0 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $212.7M | $181.1M | $97.2M | $30.0M | $1.8M | 1.71% | 3.31% | 0.17% |
| Q1 2026 | $204.8M | $173.6M | $90.0M | $29.9M | $860K | 1.68% | 3.26% | 0.02% |
| Q4 2025 | $203.8M | $173.7M | $93.0M | $29.4M | $3.3M | 1.71% | 3.35% | 0.01% |
| Q3 2025 | $198.1M | $167.2M | $96.2M | $29.1M | $2.4M | 1.65% | 3.34% | 0.02% |
| Q2 2025 | $190.5M | $162.4M | $92.6M | $26.5M | $1.6M | 1.64% | 3.27% | 0.00% |
| Q1 2025 | $193.7M | $166.5M | $92.3M | $25.9M | $812K | 1.71% | 3.15% | 0.00% |
| Q4 2024 | $185.8M | $160.6M | $88.2M | $24.3M | $2.6M | 1.40% | 2.89% | 0.00% |
| Q3 2024 | $186.2M | $154.9M | $83.3M | $26.4M | $1.9M | 1.35% | 2.80% | 0.00% |
Loan mix (Q2 2026): real estate $48.0M · commercial $15.9M · consumer $12.7M · securities $98.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.2% | 62.9% | 15th |
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.
1 branches in 1 county across 1 state (+0 vs 2024) · $162.4M branch deposits. Biggest market: Ochiltree, TX, ranked 3rd with 19.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ochiltree, TX | 1 | $162.4M | 18.98% | 3rd |
Texas: 426th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1