| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +3.0% | +7.2 pts |
| Deposit growth (YoY) | +10.8% | +2.5% | +8.3 pts |
| Loan growth (YoY) | +15.9% | +2.6% | +13.3 pts |
| ROA | 0.66% | 0.99% | -0.3 pts |
| ROE | 7.6% | 8.1% | -0.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.7M | $76.7M | $50.0M | $7.2M | $271K | 0.66% | 3.77% | 0.00% |
| Q1 2026 | $82.2M | $74.3M | $46.3M | $7.1M | $108K | 0.53% | 3.61% | 0.00% |
| Q4 2025 | $79.4M | $71.6M | $45.8M | $7.0M | $423K | 0.55% | 3.44% | 0.00% |
| Q3 2025 | $77.7M | $69.8M | $44.0M | $7.1M | $276K | 0.48% | 3.34% | 0.29% |
| Q2 2025 | $76.9M | $69.2M | $43.2M | $6.8M | $145K | 0.38% | 3.20% | 0.30% |
| Q1 2025 | $76.6M | $69.1M | $39.5M | $6.6M | $44K | 0.23% | 2.98% | 0.13% |
| Q4 2024 | $75.0M | $67.9M | $39.6M | $6.3M | $190K | 0.25% | 2.89% | 0.14% |
| Q3 2024 | $74.8M | $67.2M | $37.2M | $6.7M | $115K | 0.20% | 2.87% | 0.26% |
Loan mix (Q2 2026): real estate $43.5M · commercial $4.4M · consumer $2.2M · securities $18.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.99% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 8.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 70.8% | 57th |
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.
Spends 1.7× the peer median on technology. 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).
2 branches in 1 county across 1 state (+0 vs 2025) · $76.7M branch deposits. Biggest market: Pleasants, WV, ranked 1st with 41.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pleasants, WV | 2 | $76.7M | 41.51% | 1st |
West Virginia: 73rd with 0.15% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2