| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.4% | -2.8 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +4.2% | +5.6% | -1.3 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 18.6% | 11.9% | +6.8 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $101.8M | $85.2M | $78.6M | $7.7M | $703K | 1.38% | 4.11% | 0.22% |
| Q1 2026 | $100.7M | $85.4M | $77.4M | $7.6M | $333K | 1.31% | 4.10% | 0.23% |
| Q4 2025 | $103.2M | $88.4M | $75.7M | $7.3M | $1.3M | 1.32% | 4.00% | 0.25% |
| Q3 2025 | $101.0M | $85.5M | $75.0M | $7.9M | $938K | 1.25% | 3.97% | 0.33% |
| Q2 2025 | $100.2M | $83.2M | $75.4M | $7.0M | $587K | 1.17% | 3.90% | 0.33% |
| Q1 2025 | $97.8M | $82.2M | $72.4M | $7.0M | $232K | 0.93% | 3.79% | 0.26% |
| Q4 2024 | $101.9M | $86.6M | $74.4M | $6.5M | $867K | 0.87% | 3.44% | 0.01% |
| Q3 2024 | $99.2M | $80.4M | $75.2M | $7.4M | $622K | 0.83% | 3.34% | 0.00% |
Loan mix (Q2 2026): real estate $66.0M · commercial $4.4M · consumer $3.8M · securities $16.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Black River Country Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 62.9% | 56th |
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 | Black River Country 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 | Black River Country 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 | Black River Country 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 | Black River Country 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 | Black River Country 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.
Spends 1.6× 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).
2 branches in 1 county across 1 state (+0 vs 2025) · $85.2M branch deposits. Biggest market: Jackson, WI, ranked 3rd with 18.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, WI | 2 | $85.2M | 18.92% | 3rd |
Wisconsin: 217th with 0.03% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2