| Metric | BankNorth | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.9% | +1.7 pts |
| Deposit growth (YoY) | +10.0% | +4.3% | +5.6 pts |
| Loan growth (YoY) | +7.8% | +5.3% | +2.5 pts |
| ROA | 1.94% | 1.28% | +0.7 pts |
| ROE | 17.4% | 12.4% | +4.9 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $694.1M | $549.6M | $608.6M | $77.6M | $6.7M | 1.94% | 5.03% | 0.51% |
| Q1 2026 | $669.2M | $572.1M | $586.0M | $76.5M | $3.0M | 1.74% | 5.07% | 0.38% |
| Q4 2025 | $697.0M | $551.3M | $598.1M | $76.6M | $11.2M | 1.69% | 4.88% | 0.15% |
| Q3 2025 | $681.1M | $502.9M | $587.5M | $74.0M | $7.8M | 1.59% | 4.90% | 0.28% |
| Q2 2025 | $650.8M | $499.8M | $564.4M | $72.1M | $5.5M | 1.71% | 4.93% | 0.23% |
| Q1 2025 | $631.9M | $530.7M | $538.9M | $70.8M | $2.4M | 1.50% | 4.88% | 0.39% |
| Q4 2024 | $649.0M | $511.0M | $547.7M | $68.2M | $9.0M | 1.39% | 4.81% | 0.25% |
| Q3 2024 | $615.9M | $434.1M | $525.8M | $59.8M | $5.7M | 1.28% | 4.74% | 0.14% |
Loan mix (Q2 2026): real estate $202.8M · commercial $70.4M · consumer $9.1M · securities $23.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BankNorth | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.28% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.03% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.8% | 61.2% | 31st |
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 | BankNorth | 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 | BankNorth | 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 | BankNorth | 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 | BankNorth | 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 | BankNorth | 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.
11 branches in 5 counties across 2 states (+1 vs 2024) · $499.8M branch deposits. Biggest market: Cass, ND, ranked 13th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cass, ND | 4 | $197.8M | 1.66% | 13th |
| Ransom, ND | 2 | $98.5M | 37.57% | 1st |
| Brown, SD | 2 | $91.5M | 4.28% | 7th |
| 2 more counties with Pro → | ||||
North Dakota: 26th with 0.88% · South Dakota: 62nd with 0.01% · Fargo metro: 15th, 1.43% ·
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 11