| Metric | Bonduel State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.4% | +4.3 pts |
| Deposit growth (YoY) | +8.2% | +4.0% | +4.2 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.7 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 10.4% | 11.9% | -1.5 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $132.1M | $113.1M | $88.8M | $17.7M | $893K | 1.37% | 3.51% | 0.01% |
| Q1 2026 | $130.7M | $112.2M | $85.7M | $17.0M | $451K | 1.39% | 3.44% | 0.20% |
| Q4 2025 | $128.0M | $110.0M | $85.5M | $16.8M | $1.5M | 1.22% | 3.35% | 0.22% |
| Q3 2025 | $127.5M | $109.8M | $82.8M | $16.5M | $1.1M | 1.24% | 3.27% | 0.33% |
| Q2 2025 | $121.5M | $104.5M | $83.6M | $15.8M | $749K | 1.24% | 3.20% | 0.62% |
| Q1 2025 | $122.4M | $105.8M | $83.2M | $15.4M | $396K | 1.32% | 3.13% | 0.42% |
| Q4 2024 | $117.2M | $101.3M | $81.8M | $14.9M | $1.0M | 0.92% | 2.96% | 0.44% |
| Q3 2024 | $114.5M | $98.2M | $78.4M | $15.1M | $743K | 0.89% | 2.90% | 0.46% |
Loan mix (Q2 2026): real estate $66.6M · commercial $15.1M · consumer $3.0M · securities $25.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bonduel State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 62.9% | 22nd |
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 | Bonduel 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 | Bonduel 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 | Bonduel 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 | Bonduel 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 | Bonduel 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.
Technology spend up 137% in 2025. 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).
1 branches in 1 county across 1 state (+0 vs 2025) · $113.1M branch deposits. Biggest market: Shawano, WI, ranked 3rd with 11.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shawano, WI | 1 | $113.1M | 11.00% | 3rd |
Wisconsin: 199th with 0.04% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1