| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.0% | +1.5 pts |
| Deposit growth (YoY) | +10.4% | +2.5% | +7.9 pts |
| Loan growth (YoY) | +6.6% | +2.6% | +4.0 pts |
| ROA | 1.17% | 0.99% | +0.2 pts |
| ROE | 13.9% | 8.1% | +5.8 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 | $72.1M | $61.4M | $52.6M | $6.4M | $430K | 1.17% | 4.86% | 1.16% |
| Q1 2026 | $76.9M | $63.6M | $51.7M | $5.9M | $160K | 0.86% | 4.79% | 0.75% |
| Q4 2025 | $72.2M | $61.3M | $51.1M | $6.3M | $915K | 1.32% | 4.87% | 1.05% |
| Q3 2025 | $70.4M | $58.6M | $50.0M | $5.9M | $696K | 1.35% | 4.83% | 0.38% |
| Q2 2025 | $69.0M | $55.6M | $49.3M | $5.2M | $389K | 1.15% | 4.72% | 0.14% |
| Q1 2025 | $67.3M | $56.1M | $46.4M | $5.0M | $215K | 1.28% | 4.66% | 0.12% |
| Q4 2024 | $67.5M | $56.3M | $46.5M | $4.9M | $532K | 0.82% | 4.33% | 0.37% |
| Q3 2024 | $67.1M | $52.5M | $45.6M | $5.3M | $419K | 0.87% | 4.25% | 0.00% |
Loan mix (Q2 2026): real estate $28.8M · commercial $5.6M · consumer $4.9M · securities $14.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.99% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 8.1% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 70.8% | 41st |
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.
Spends 2.0× 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).
4 branches in 2 counties across 1 state (+0 vs 2025) · $61.4M branch deposits. Biggest market: Walsh, ND, ranked 4th with 6.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Walsh, ND | 3 | $42.5M | 6.29% | 4th |
| Ramsey, ND | 1 | $18.9M | 1.80% | 9th |
North Dakota: 77th with 0.13% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4