| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +178.2% | +4.4% | +173.8 pts |
| Deposit growth (YoY) | +148.4% | +4.0% | +144.4 pts |
| Loan growth (YoY) | -75.3% | +5.6% | -80.8 pts |
| ROA | -8.08% | 1.24% | -9.3 pts |
| ROE | -16.8% | 11.9% | -28.6 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $180.8M | $112.4M | $12.3M | $67.0M | $-5.9M | -8.08% | 2.97% | 0.00% |
| Q1 2026 | $137.4M | $66.0M | $7.1M | $70.1M | $-2.8M | -8.75% | 3.10% | 0.00% |
| Q4 2025 | $118.6M | $44.1M | $4.4M | $73.5M | $-1.8M | -2.33% | 1.03% | 0.00% |
| Q3 2025 | $65.4M | $45.4M | $51.7M | $19.5M | $1.9M | 3.94% | 4.55% | 0.32% |
| Q2 2025 | $65.0M | $45.2M | $49.8M | $18.1M | $326K | 1.01% | 4.35% | 0.54% |
| Q1 2025 | $64.4M | $44.9M | $49.5M | $18.0M | $54K | 0.34% | 4.11% | 0.39% |
| Q4 2024 | $64.4M | $44.9M | $49.6M | $17.9M | $553K | 0.87% | 3.44% | 0.29% |
| Q3 2024 | $64.5M | $45.2M | $49.8M | $17.8M | $390K | 0.82% | 3.23% | 0.39% |
Loan mix (Q2 2026): real estate $148K · commercial $2.2M · consumer $7.8M · securities $110.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.08% | 1.24% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -16.8% | 11.9% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 393.7% | 62.9% | 100th |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 2024) · $45.2M branch deposits. Biggest market: Morrison, MN, ranked 8th with 5.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Morrison, MN | 1 | $45.2M | 5.49% | 8th |
Minnesota: 305th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1