| Metric | Bank Plus | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +4.4% | -6.7 pts |
| Deposit growth (YoY) | -6.5% | +4.0% | -10.5 pts |
| Loan growth (YoY) | +2.7% | +5.6% | -2.9 pts |
| ROA | 1.19% | 1.24% | -0.0 pts |
| ROE | 10.4% | 11.9% | -1.4 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $144.6M | $103.4M | $120.2M | $17.5M | $901K | 1.19% | 4.44% | 0.00% |
| Q1 2026 | $151.5M | $111.4M | $122.5M | $17.0M | $407K | 1.06% | 4.31% | 0.02% |
| Q4 2025 | $157.1M | $110.3M | $128.2M | $17.3M | $1.3M | 0.85% | 4.15% | 0.58% |
| Q3 2025 | $150.8M | $107.4M | $120.4M | $16.8M | $866K | 0.75% | 4.18% | 0.54% |
| Q2 2025 | $148.1M | $110.6M | $117.1M | $16.8M | $581K | 0.75% | 4.13% | 0.69% |
| Q1 2025 | $152.5M | $116.0M | $121.6M | $16.3M | $254K | 0.64% | 4.02% | 0.65% |
| Q4 2024 | $163.4M | $112.7M | $132.2M | $16.2M | $1.3M | 0.79% | 3.79% | 0.60% |
| Q3 2024 | $163.4M | $115.1M | $129.5M | $16.2M | $1.0M | 0.82% | 3.76% | 0.82% |
Loan mix (Q2 2026): real estate $73.9M · commercial $6.9M · consumer $2.3M · securities $12.6M
| Ratio | Bank Plus | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 62.9% | 68th |
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 Plus | 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 Plus | 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 Plus | 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 Plus | 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 Plus | 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.
4 branches in 3 counties across 1 state (+0 vs 2025) · $103.4M branch deposits. Biggest market: Kossuth, IA, ranked 8th with 4.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kossuth, IA | 2 | $42.1M | 4.31% | 8th |
| Emmet, IA | 1 | $40.8M | 7.63% | 5th |
| Palo Alto, IA | 1 | $20.5M | 5.78% | 5th |
Iowa: 234th with 0.07% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Spends 1.7× the peer median on technology. 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).