| Metric | Commercial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +3.0% | -5.7 pts |
| Deposit growth (YoY) | -7.0% | +2.5% | -9.5 pts |
| Loan growth (YoY) | +3.0% | +2.6% | +0.4 pts |
| ROA | 1.05% | 0.99% | +0.1 pts |
| ROE | 7.8% | 8.1% | -0.2 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.5M | $47.0M | $38.6M | $7.8M | $304K | 1.05% | 4.37% | 2.12% |
| Q1 2026 | $57.4M | $49.7M | $36.7M | $7.7M | $153K | 1.04% | 4.33% | 1.44% |
| Q4 2025 | $60.3M | $52.1M | $42.1M | $7.7M | $635K | 1.07% | 4.08% | 1.43% |
| Q3 2025 | $57.9M | $50.2M | $40.2M | $7.4M | $349K | 0.79% | 4.05% | 0.69% |
| Q2 2025 | $58.0M | $50.5M | $37.4M | $7.3M | $157K | 0.53% | 3.93% | 0.69% |
| Q1 2025 | $59.3M | $51.9M | $36.1M | $7.2M | $38K | 0.25% | 3.92% | 0.67% |
| Q4 2024 | $61.1M | $53.8M | $39.0M | $7.1M | $606K | 0.97% | 4.04% | 0.82% |
| Q3 2024 | $62.8M | $50.0M | $39.8M | $7.3M | $491K | 1.04% | 4.06% | 0.80% |
Loan mix (Q2 2026): real estate $9.7M · commercial $12.4M · consumer $953K · securities $15.6M
| Ratio | Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.99% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 8.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 70.8% | 42nd |
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 | Commercial 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 | Commercial 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 | Commercial 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 | Commercial 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 | Commercial 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $47.0M branch deposits. Biggest market: Nuckolls, NE, ranked 2nd with 23.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nuckolls, NE | 1 | $47.0M | 23.89% | 2nd |
Nebraska: 165th with 0.04% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1