| Metric | Bank of Hartington | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +4.4% | +5.2 pts |
| Deposit growth (YoY) | +11.4% | +4.0% | +7.5 pts |
| Loan growth (YoY) | +9.9% | +5.6% | +4.3 pts |
| ROA | 1.43% | 1.24% | +0.2 pts |
| ROE | 17.2% | 11.9% | +5.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.0M | $136.9M | $111.6M | $13.2M | $1.1M | 1.43% | 4.45% | 0.00% |
| Q1 2026 | $147.1M | $133.7M | $106.4M | $12.5M | $546K | 1.45% | 4.30% | 0.00% |
| Q4 2025 | $155.2M | $128.5M | $117.7M | $12.2M | $1.7M | 1.18% | 4.27% | 0.00% |
| Q3 2025 | $143.4M | $118.8M | $105.6M | $12.5M | $1.3M | 1.26% | 4.30% | 0.23% |
| Q2 2025 | $137.8M | $122.9M | $101.5M | $11.4M | $880K | 1.27% | 4.28% | 0.09% |
| Q1 2025 | $136.0M | $120.0M | $99.0M | $11.1M | $414K | 1.19% | 4.14% | 0.09% |
| Q4 2024 | $142.4M | $115.2M | $103.4M | $10.5M | $1.6M | 1.17% | 4.04% | 0.00% |
| Q3 2024 | $133.1M | $118.7M | $93.3M | $11.5M | $1.3M | 1.29% | 4.05% | 0.00% |
Loan mix (Q2 2026): real estate $35.9M · commercial $16.1M · consumer $2.6M · securities $24.2M
| Ratio | Bank of Hartington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.24% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 17.2% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 62.9% | 55th |
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 | Bank of Hartington | 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 | Bank of Hartington | 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 | Bank of Hartington | 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 | Bank of Hartington | 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 | Bank of Hartington | 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.
Technology spend up 41% 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).