| Metric | Bank of Prairie du Sac | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.7% | +4.9% | +10.8 pts |
| Deposit growth (YoY) | +16.7% | +4.3% | +12.4 pts |
| Loan growth (YoY) | +6.1% | +5.3% | +0.7 pts |
| ROA | 1.57% | 1.28% | +0.3 pts |
| ROE | 12.5% | 12.4% | +0.0 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $744.5M | $644.3M | $388.1M | $97.1M | $5.9M | 1.57% | 3.00% | 0.00% |
| Q1 2026 | $755.3M | $654.4M | $376.6M | $94.5M | $2.8M | 1.47% | 2.90% | 0.00% |
| Q4 2025 | $760.5M | $660.5M | $376.1M | $93.8M | $9.8M | 1.46% | 3.04% | 0.00% |
| Q3 2025 | $690.8M | $592.9M | $370.6M | $91.5M | $7.6M | 1.57% | 3.09% | 0.03% |
| Q2 2025 | $643.5M | $551.9M | $365.8M | $85.7M | $5.1M | 1.62% | 3.18% | 0.00% |
| Q1 2025 | $613.6M | $523.6M | $363.2M | $83.6M | $2.5M | 1.58% | 3.13% | 0.00% |
| Q4 2024 | $635.9M | $549.0M | $360.2M | $80.9M | $8.5M | 1.41% | 2.97% | 0.01% |
| Q3 2024 | $604.0M | $513.7M | $352.3M | $83.9M | $6.3M | 1.42% | 2.93% | 0.03% |
Loan mix (Q2 2026): real estate $325.6M · commercial $49.9M · consumer $3.1M · securities $229.8M
| Ratio | Bank of Prairie du Sac | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.28% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.6% | 61.2% | 6th |
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 Prairie du Sac | 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 Prairie du Sac | 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 Prairie du Sac | 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 Prairie du Sac | 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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