| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +0.9% | +4.0% | -3.0 pts |
| Loan growth (YoY) | +17.5% | +5.6% | +11.9 pts |
| ROA | 1.50% | 1.24% | +0.3 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $227.1M | $181.3M | $149.0M | $29.5M | $1.7M | 1.50% | 4.08% | 0.00% |
| Q1 2026 | $219.1M | $184.9M | $137.4M | $29.0M | $883K | 1.59% | 4.09% | 0.00% |
| Q4 2025 | $225.2M | $194.2M | $133.2M | $28.3M | $2.8M | 1.23% | 3.56% | 0.00% |
| Q3 2025 | $225.1M | $176.4M | $138.3M | $27.8M | $2.1M | 1.18% | 3.49% | 0.00% |
| Q2 2025 | $217.4M | $179.6M | $126.9M | $26.6M | $1.4M | 1.16% | 3.45% | 0.00% |
| Q1 2025 | $192.8M | $161.3M | $111.5M | $18.6M | $566K | 1.21% | 3.25% | 0.00% |
| Q4 2024 | $182.6M | $147.7M | $111.0M | $17.5M | $1.6M | 0.89% | 2.97% | 0.00% |
| Q3 2024 | $169.7M | $127.7M | $94.2M | $18.3M | $1.1M | 0.87% | 2.92% | 0.00% |
Loan mix (Q2 2026): real estate $49.9M · commercial $14.1M · consumer $1.5M · securities $61.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 62.9% | 52nd |
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 3 counties across 1 state (+0 vs 2025) · $181.3M branch deposits. Biggest market: Clark, KS, ranked 1st with 53.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, KS | 1 | $74.6M | 53.41% | 1st |
| Meade, KS | 1 | $66.3M | 32.87% | 2nd |
| Comanche, KS | 1 | $40.3M | 40.25% | 2nd |
Kansas: 125th with 0.15% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 3 · 2026 3
Technology spend up 28% in 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).