| Metric | Bank of Maple Plain | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +3.0% | -3.4 pts |
| Deposit growth (YoY) | -1.5% | +2.5% | -4.0 pts |
| Loan growth (YoY) | -4.3% | +2.6% | -6.9 pts |
| ROA | 0.92% | 0.99% | -0.1 pts |
| ROE | 8.2% | 8.1% | +0.1 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $85.5M | $74.7M | $38.8M | $9.7M | $392K | 0.92% | 3.12% | 0.83% |
| Q1 2026 | $85.2M | $74.8M | $39.5M | $9.5M | $205K | 0.96% | 3.11% | 0.26% |
| Q4 2025 | $85.1M | $74.5M | $40.9M | $9.5M | $61K | 0.07% | 2.85% | 0.27% |
| Q3 2025 | $84.0M | $72.9M | $40.5M | $9.9M | $171K | 0.26% | 2.79% | 0.72% |
| Q2 2025 | $85.9M | $75.9M | $40.5M | $9.1M | $122K | 0.28% | 2.74% | 0.85% |
| Q1 2025 | $86.6M | $76.9M | $41.7M | $8.6M | $-13K | -0.06% | 2.69% | 0.99% |
| Q4 2024 | $88.7M | $79.0M | $43.1M | $8.1M | $-367K | -0.40% | 2.59% | 1.01% |
| Q3 2024 | $92.0M | $74.6M | $43.9M | $10.0M | $290K | 0.41% | 2.63% | 1.16% |
Loan mix (Q2 2026): real estate $21.1M · commercial $11.1M · consumer $1.4M · securities $39.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Maple Plain | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.99% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 8.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 70.8% | 53rd |
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 Maple Plain | 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 Maple Plain | 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 Maple Plain | 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 Maple Plain | 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 Maple Plain | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $74.7M branch deposits. Biggest market: Hennepin, MN, ranked 57th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hennepin, MN | 1 | $74.7M | 0.05% | 57th |
Minnesota: 278th with 0.02% · Minneapolis-St. Paul-Bloomington metro: 133rd, 0.03% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (33 bps of assets, 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).