| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.4 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.1 pts |
| Loan growth (YoY) | -0.7% | +5.6% | -6.3 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 11.6% | 11.9% | -0.2 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $174.9M | $157.4M | $145.2M | $16.5M | $961K | 1.10% | 3.52% | 1.45% |
| Q1 2026 | $173.1M | $156.2M | $140.3M | $16.5M | $566K | 1.30% | 3.51% | 0.39% |
| Q4 2025 | $175.1M | $156.2M | $145.4M | $16.5M | $1.6M | 0.96% | 3.50% | 0.04% |
| Q3 2025 | $174.9M | $150.7M | $145.9M | $17.1M | $1.8M | 1.44% | 3.50% | 0.97% |
| Q2 2025 | $171.6M | $154.6M | $146.2M | $16.6M | $1.2M | 1.42% | 3.46% | 0.40% |
| Q1 2025 | $163.6M | $146.9M | $138.4M | $16.2M | $571K | 1.39% | 3.41% | 0.19% |
| Q4 2024 | $165.9M | $147.8M | $142.9M | $15.8M | $1.2M | 0.78% | 2.95% | 0.19% |
| Q3 2024 | $166.6M | $151.0M | $141.4M | $15.1M | $732K | 0.62% | 2.85% | 0.46% |
Loan mix (Q2 2026): real estate $109.8M · commercial $18.9M · consumer $1.9M · securities $19.1M
| Ratio | Cedar Rapids State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 62.9% | 34th |
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 | Cedar Rapids 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 | Cedar Rapids 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 | Cedar Rapids 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 | Cedar Rapids 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 | Cedar Rapids 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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 11, 2025 | Target | Mollie Morrow | Change in control | Completed | Federal Reserve |
Technology spend in line with peers (19 bps of assets, 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).
3 branches in 2 counties across 1 state (+0 vs 2025) · $157.4M branch deposits. Biggest market: Boone, NE, ranked 2nd with 27.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Boone, NE | 2 | $141.5M | 27.39% | 2nd |
| Greeley, NE | 1 | $16.0M | 9.67% | 4th |
Nebraska: 99th with 0.15% ·
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3