| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.2% | +3.0% | -16.2 pts |
| Deposit growth (YoY) | -10.3% | +2.5% | -12.8 pts |
| Loan growth (YoY) | -14.9% | +2.6% | -17.5 pts |
| ROA | -3.27% | 0.99% | -4.3 pts |
| ROE | -53.3% | 8.1% | -61.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.6M | $19.3M | $16.1M | $1.1M | $-345K | -3.27% | 4.66% | 15.49% |
| Q1 2026 | $21.2M | $19.7M | $17.0M | $1.3M | $-192K | -3.59% | 4.24% | 11.73% |
| Q4 2025 | $21.6M | $19.5M | $18.0M | $1.5M | $-641K | -2.74% | 4.95% | 15.92% |
| Q3 2025 | $23.3M | $21.2M | $18.6M | $2.0M | $-217K | -1.21% | 4.98% | 6.94% |
| Q2 2025 | $23.7M | $21.5M | $18.9M | $2.0M | $-133K | -1.11% | 4.92% | 5.73% |
| Q1 2025 | $24.3M | $21.9M | $19.3M | $2.2M | $-6K | -0.10% | 5.96% | 5.12% |
| Q4 2024 | $24.1M | $21.8M | $19.4M | $2.2M | $9K | 0.04% | 4.93% | 10.50% |
| Q3 2024 | $23.7M | $21.1M | $19.7M | $2.1M | $-67K | -0.35% | 4.92% | 11.81% |
Loan mix (Q2 2026): real estate $16.1M · commercial $0 · consumer $275K · securities $41K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.27% | 0.99% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -53.3% | 8.1% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 176.0% | 70.8% | 97th |
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 3.2× 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).
1 branches in 1 county across 1 state (+0 vs 2025) · $19.3M branch deposits. Biggest market: Milwaukee, WI, ranked 41st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Milwaukee, WI | 1 | $19.3M | 0.03% | 41st |
Wisconsin: 281st with 0.01% · Milwaukee-Waukesha metro: 72nd, 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1