| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.2% | +5.5% | +7.7 pts |
| Deposit growth (YoY) | +14.8% | +5.1% | +9.8 pts |
| Loan growth (YoY) | +12.3% | +5.9% | +6.4 pts |
| ROA | 2.40% | 1.26% | +1.1 pts |
| ROE | 23.8% | 12.2% | +11.6 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.18B | $1.87B | $1.82B | $226.5M | $25.4M | 2.40% | 4.12% | 0.21% |
| Q1 2026 | $2.10B | $1.79B | $1.75B | $213.6M | $12.4M | 2.37% | 4.09% | 0.26% |
| Q4 2025 | $2.09B | $1.80B | $1.73B | $201.2M | $44.7M | 2.28% | 4.20% | 0.21% |
| Q3 2025 | $1.98B | $1.67B | $1.68B | $199.2M | $34.0M | 2.36% | 4.20% | 0.26% |
| Q2 2025 | $1.93B | $1.63B | $1.62B | $195.8M | $22.3M | 2.34% | 4.16% | 0.15% |
| Q1 2025 | $1.90B | $1.64B | $1.56B | $183.9M | $10.5M | 2.22% | 3.99% | 0.09% |
| Q4 2024 | $1.89B | $1.65B | $1.51B | $173.4M | $39.3M | 2.22% | 3.99% | 0.07% |
| Q3 2024 | $1.82B | $1.57B | $1.48B | $171.4M | $29.0M | 2.21% | 3.95% | 0.12% |
Loan mix (Q2 2026): real estate $1.55B · commercial $275.5M · consumer $18.7M · securities $59.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.40% | 1.26% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 23.8% | 12.2% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.3% | 59.0% | 6th |
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.
4 branches in 3 counties across 2 states (+0 vs 2024) · $1.63B branch deposits. Biggest market: Thomas, GA, ranked 1st with 66.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Thomas, GA | 2 | $1.26B | 65.97% | 1st |
| Leon, FL | 1 | $221.6M | 2.23% | 15th |
| Glynn, GA | 1 | $145.5M | 4.71% | 9th |
Georgia: 30th with 0.38% · Florida: 172nd with 0.02% · Tallahassee metro: 17th, 1.96% · Brunswick-St. Simons metro: 10th, 4.29% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4