| Metric | Bison State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.9% | +4.4% | +19.5 pts |
| Deposit growth (YoY) | +8.8% | +4.0% | +4.9 pts |
| Loan growth (YoY) | +38.4% | +5.6% | +32.8 pts |
| ROA | 1.01% | 1.24% | -0.2 pts |
| ROE | 10.1% | 11.9% | -1.8 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.8M | $99.0M | $98.2M | $13.4M | $662K | 1.01% | 4.00% | 0.25% |
| Q1 2026 | $143.4M | $101.5M | $116.5M | $13.3M | $546K | 1.64% | 3.72% | 0.10% |
| Q4 2025 | $123.6M | $97.6M | $97.5M | $12.7M | $245K | 0.23% | 3.98% | 0.56% |
| Q3 2025 | $119.0M | $90.8M | $91.7M | $10.9M | $-119K | -0.15% | 3.95% | 0.63% |
| Q2 2025 | $101.6M | $91.0M | $70.9M | $9.6M | $-559K | -1.13% | 3.81% | 0.54% |
| Q1 2025 | $102.0M | $84.5M | $75.7M | $9.1M | $-160K | -0.66% | 3.58% | 1.59% |
| Q4 2024 | $93.0M | $83.3M | $65.4M | $9.3M | $-507K | -0.60% | 4.29% | 1.63% |
| Q3 2024 | $97.2M | $81.4M | $75.8M | $9.3M | $-458K | -0.74% | 4.29% | 0.46% |
Loan mix (Q2 2026): real estate $91.5M · commercial $6.5M · consumer $856K · securities $2.5M
| Ratio | Bison State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 62.9% | 90th |
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 | Bison State Bank | 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 | Bison State Bank | 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 | Bison State Bank | 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 | Bison State Bank | 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 | Bison State Bank | 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.
2 branches in 2 counties across 2 states (+0 vs 2024) · $91.0M branch deposits. Biggest market: Jackson, MO, ranked 32nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 1 | $80.8M | 0.14% | 32nd |
| Rush, KS | 1 | $10.3M | 7.45% | 4th |
Missouri: 237th with 0.03% · Kansas: 279th with 0.01% · Kansas City metro: 92nd, 0.08% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2