| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.9% | -4.1 pts |
| Deposit growth (YoY) | +3.1% | +4.3% | -1.3 pts |
| Loan growth (YoY) | +3.5% | +5.3% | -1.9 pts |
| ROA | 1.85% | 1.28% | +0.6 pts |
| ROE | 17.5% | 12.5% | +5.0 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 | $533.0M | $445.0M | $479.4M | $58.2M | $5.0M | 1.85% | 3.73% | 0.00% |
| Q1 2026 | $546.5M | $436.5M | $488.8M | $57.1M | $2.3M | 1.68% | 3.57% | 0.01% |
| Q4 2025 | $554.1M | $456.4M | $495.4M | $57.5M | $8.1M | 1.49% | 3.30% | 0.09% |
| Q3 2025 | $534.9M | $444.8M | $470.7M | $54.9M | $5.5M | 1.37% | 3.27% | 0.09% |
| Q2 2025 | $528.6M | $431.8M | $463.3M | $53.7M | $3.3M | 1.24% | 3.17% | 0.09% |
| Q1 2025 | $551.9M | $437.8M | $471.7M | $53.6M | $1.6M | 1.20% | 3.06% | 0.14% |
| Q4 2024 | $538.3M | $420.4M | $460.9M | $52.9M | $5.2M | 0.95% | 2.88% | 0.12% |
| Q3 2024 | $540.9M | $411.4M | $459.5M | $51.8M | $4.1M | 1.00% | 2.86% | 0.14% |
Loan mix (Q2 2026): real estate $293.0M · commercial $44.0M · consumer $3.5M · securities $4.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.28% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 12.5% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 61.1% | 15th |
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.
2 branches in 1 county across 1 state (+0 vs 2025) · $445.0M branch deposits. Biggest market: Plymouth, IA, ranked 1st with 30.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Plymouth, IA | 2 | $445.0M | 30.45% | 1st |
Iowa: 75th with 0.28% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend up 57% 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).