| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | -1.6% | +4.0% | -5.5 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 1.84% | 1.24% | +0.6 pts |
| ROE | 16.5% | 11.9% | +4.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $145.5M | $126.1M | $68.5M | $17.7M | $1.4M | 1.84% | 4.19% | 1.04% |
| Q1 2026 | $149.0M | $130.4M | $66.1M | $17.3M | $767K | 1.92% | 4.11% | 0.70% |
| Q4 2025 | $169.7M | $151.8M | $66.0M | $16.7M | $3.1M | 2.03% | 4.19% | 0.60% |
| Q3 2025 | $144.9M | $126.7M | $67.6M | $16.3M | $2.2M | 1.93% | 4.28% | 0.77% |
| Q2 2025 | $145.4M | $128.1M | $67.3M | $15.4M | $1.4M | 1.88% | 4.23% | 0.86% |
| Q1 2025 | $148.0M | $131.8M | $66.1M | $14.7M | $726K | 1.86% | 4.15% | 0.88% |
| Q4 2024 | $164.1M | $149.0M | $68.0M | $13.8M | $3.0M | 1.98% | 4.02% | 0.79% |
| Q3 2024 | $145.7M | $129.1M | $68.1M | $14.6M | $2.2M | 1.97% | 4.04% | 0.79% |
Loan mix (Q2 2026): real estate $49.8M · commercial $5.3M · consumer $6.5M · securities $25.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.24% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 62.9% | 42nd |
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 1 county across 1 state (+0 vs 2024) · $128.1M branch deposits. Biggest market: Vermilion, LA, ranked 4th with 11.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Vermilion, LA | 3 | $128.1M | 11.26% | 4th |
Louisiana: 121st with 0.09% · Lafayette metro: 19th, 1.05% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3