| Metric | Bank of Sun Prairie | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.4% | +4.9% | +11.5 pts |
| Deposit growth (YoY) | +17.4% | +4.3% | +13.0 pts |
| Loan growth (YoY) | -1.3% | +5.3% | -6.6 pts |
| ROA | 0.63% | 1.28% | -0.7 pts |
| ROE | 6.4% | 12.4% | -6.1 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $841.2M | $719.5M | $594.0M | $84.4M | $2.7M | 0.63% | 2.89% | 0.05% |
| Q1 2026 | $716.6M | $587.5M | $582.7M | $66.0M | $772K | 0.43% | 2.68% | 0.04% |
| Q4 2025 | $726.5M | $608.3M | $580.1M | $66.4M | $3.6M | 0.49% | 2.50% | 0.04% |
| Q3 2025 | $728.6M | $604.2M | $604.8M | $72.2M | $2.4M | 0.44% | 2.42% | 0.00% |
| Q2 2025 | $722.5M | $613.0M | $601.6M | $70.7M | $1.3M | 0.36% | 2.31% | 0.00% |
| Q1 2025 | $733.0M | $623.9M | $604.4M | $71.6M | $505K | 0.27% | 2.19% | 0.04% |
| Q4 2024 | $742.0M | $652.8M | $616.4M | $72.4M | $2.2M | 0.30% | 2.08% | 0.00% |
| Q3 2024 | $768.7M | $645.8M | $639.9M | $70.9M | $1.6M | 0.27% | 2.08% | 0.00% |
Loan mix (Q2 2026): real estate $553.9M · commercial $35.6M · consumer $4.5M · securities $165.0M
| Ratio | Bank of Sun Prairie | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.28% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 12.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 61.2% | 87th |
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 Sun Prairie | 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 Sun Prairie | 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 Sun Prairie | 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 Sun Prairie | 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.