| Metric | Bank of Lake Mills | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +35.1% | +4.9% | +30.2 pts |
| Deposit growth (YoY) | +32.6% | +4.3% | +28.3 pts |
| Loan growth (YoY) | +43.8% | +5.3% | +38.5 pts |
| ROA | 2.30% | 1.28% | +1.0 pts |
| ROE | 21.8% | 12.4% | +9.4 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $533.8M | $432.3M | $459.6M | $57.3M | $6.0M | 2.30% | 6.96% | 0.60% |
| Q1 2026 | $530.1M | $401.0M | $458.2M | $52.4M | $98K | 0.08% | 6.90% | 0.47% |
| Q4 2025 | $489.0M | $407.5M | $416.8M | $54.1M | $11.8M | 2.54% | 5.43% | 0.90% |
| Q3 2025 | $516.5M | $440.9M | $419.0M | $51.0M | $9.5M | 2.78% | 5.45% | 0.74% |
| Q2 2025 | $395.1M | $326.0M | $319.6M | $47.8M | $6.6M | 3.02% | 5.76% | 0.62% |
| Q1 2025 | $493.7M | $370.6M | $422.8M | $47.3M | $3.5M | 3.06% | 5.73% | 0.14% |
| Q4 2024 | $417.2M | $329.1M | $347.1M | $43.3M | $5.8M | 1.56% | 4.16% | 0.14% |
| Q3 2024 | $421.5M | $283.6M | $355.4M | $42.9M | $3.8M | 1.41% | 3.92% | 0.06% |
Loan mix (Q2 2026): real estate $236.8M · commercial $1.6M · consumer $222.3M · securities $38.0M
| Ratio | Bank of Lake Mills | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.30% | 1.28% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 21.8% | 12.4% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.96% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 61.2% | 23th |
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 Lake Mills | 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 Lake Mills | 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 Lake Mills | 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 Lake Mills | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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