| Metric | Bank of Prague | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.3% | +3.0% | +9.3 pts |
| Deposit growth (YoY) | +13.1% | +2.5% | +10.6 pts |
| Loan growth (YoY) | +15.6% | +2.6% | +13.0 pts |
| ROA | 2.30% | 0.99% | +1.3 pts |
| ROE | 20.1% | 8.1% | +12.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $48.5M | $43.0M | $34.4M | $5.3M | $547K | 2.30% | 4.92% | 0.87% |
| Q1 2026 | $48.6M | $42.9M | $32.8M | $5.5M | $417K | 3.55% | 4.86% | 0.49% |
| Q4 2025 | $45.5M | $39.9M | $32.9M | $5.5M | $1.1M | 2.43% | 4.98% | 0.61% |
| Q3 2025 | $44.0M | $38.5M | $31.8M | $5.4M | $804K | 2.48% | 4.99% | 0.54% |
| Q2 2025 | $43.2M | $38.0M | $29.8M | $5.0M | $368K | 1.72% | 5.05% | 0.10% |
| Q1 2025 | $42.6M | $37.2M | $29.3M | $5.3M | $395K | 3.70% | 5.13% | 0.40% |
| Q4 2024 | $42.8M | $37.4M | $31.8M | $5.3M | $1.3M | 3.11% | 4.96% | 0.40% |
| Q3 2024 | $41.8M | $36.2M | $30.1M | $5.4M | $932K | 3.08% | 4.91% | 0.41% |
Loan mix (Q2 2026): real estate $6.7M · commercial $8.8M · consumer $6.4M · securities $6.5M
| Ratio | Bank of Prague | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.30% | 0.99% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 20.1% | 8.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 70.8% | 34th |
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 Prague | 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 Prague | 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 Prague | 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 Prague | 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 Prague | 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) · $43.0M branch deposits. Biggest market: Saunders, NE, ranked 9th with 4.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Saunders, NE | 1 | $43.0M | 4.42% | 9th |
Nebraska: 169th with 0.04% · Omaha metro: 77th, 0.08% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
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).