| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.9% | -2.1 pts |
| Deposit growth (YoY) | -0.1% | +4.3% | -4.4 pts |
| Loan growth (YoY) | +7.7% | +5.3% | +2.3 pts |
| ROA | 1.15% | 1.28% | -0.1 pts |
| ROE | 10.2% | 12.4% | -2.2 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $560.7M | $478.9M | $410.4M | $64.3M | $3.2M | 1.15% | 4.67% | 0.14% |
| Q1 2026 | $563.1M | $485.0M | $411.8M | $62.8M | $1.6M | 1.14% | 4.64% | 0.25% |
| Q4 2025 | $555.1M | $479.8M | $404.1M | $61.7M | $5.7M | 1.04% | 4.55% | 0.18% |
| Q3 2025 | $577.2M | $491.6M | $410.2M | $61.1M | $4.4M | 1.09% | 4.48% | 0.19% |
| Q2 2025 | $545.6M | $479.1M | $381.2M | $59.1M | $2.8M | 1.06% | 4.45% | 0.14% |
| Q1 2025 | $546.0M | $481.7M | $358.7M | $57.7M | $1.4M | 1.11% | 4.34% | 0.11% |
| Q4 2024 | $494.0M | $389.9M | $341.1M | $55.7M | $4.2M | 0.91% | 3.91% | 0.20% |
| Q3 2024 | $477.4M | $387.3M | $322.6M | $56.3M | $3.0M | 0.87% | 3.83% | 0.23% |
Loan mix (Q2 2026): real estate $354.4M · commercial $33.3M · consumer $13.2M · securities $93.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Mississippi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.28% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 61.2% | 85th |
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 | United Mississippi Bank | 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 | United Mississippi Bank | 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 | United Mississippi Bank | 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 | United Mississippi Bank | 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.