| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.9% | +1.9 pts |
| Deposit growth (YoY) | +3.9% | +4.3% | -0.5 pts |
| Loan growth (YoY) | +16.5% | +5.3% | +11.2 pts |
| ROA | 1.53% | 1.28% | +0.2 pts |
| ROE | 18.4% | 12.5% | +5.9 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $524.9M | $447.1M | $326.5M | $46.2M | $4.0M | 1.53% | 3.45% | 0.07% |
| Q1 2026 | $529.0M | $457.0M | $329.7M | $42.5M | $2.0M | 1.48% | 3.39% | 0.08% |
| Q4 2025 | $523.5M | $448.3M | $317.5M | $43.0M | $6.4M | 1.29% | 3.05% | 0.03% |
| Q3 2025 | $511.7M | $445.5M | $302.4M | $42.2M | $4.7M | 1.27% | 2.97% | 0.03% |
| Q2 2025 | $491.5M | $430.6M | $280.3M | $37.0M | $2.9M | 1.20% | 2.92% | 0.03% |
| Q1 2025 | $493.3M | $432.5M | $277.8M | $36.9M | $1.4M | 1.14% | 2.79% | 0.05% |
| Q4 2024 | $483.0M | $423.7M | $273.2M | $35.9M | $4.7M | 1.00% | 2.54% | 0.07% |
| Q3 2024 | $469.1M | $394.2M | $266.2M | $40.3M | $3.4M | 0.99% | 2.52% | 0.10% |
Loan mix (Q2 2026): real estate $224.1M · commercial $75.9M · consumer $13.0M · securities $164.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.28% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 12.5% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 61.1% | 19th |
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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 11, 2026 | Acquirer | — | Merger | Completed | FDIC |
6 branches in 2 counties across 1 state (+0 vs 2025) · $447.1M branch deposits. Biggest market: Union, KY, ranked 1st with 59.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Union, KY | 3 | $346.5M | 59.90% | 1st |
| Webster, KY | 3 | $100.7M | 32.41% | 2nd |
Kentucky: 64th with 0.31% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6
Technology spend in line with peers (16 bps of assets, 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).