| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +4.4% | +5.5 pts |
| Deposit growth (YoY) | +9.6% | +4.0% | +5.6 pts |
| Loan growth (YoY) | +12.2% | +5.6% | +6.6 pts |
| ROA | 0.81% | 1.24% | -0.4 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.3M | $94.7M | $72.5M | $7.3M | $406K | 0.81% | 3.67% | 0.30% |
| Q1 2026 | $100.4M | $92.2M | $72.7M | $6.9M | $209K | 0.84% | 3.51% | 0.28% |
| Q4 2025 | $98.4M | $90.3M | $71.3M | $6.8M | $601K | 0.63% | 3.19% | 0.29% |
| Q3 2025 | $95.4M | $87.6M | $65.9M | $6.1M | $394K | 0.56% | 3.07% | 0.00% |
| Q2 2025 | $94.0M | $86.4M | $64.6M | $6.0M | $188K | 0.40% | 2.99% | 0.03% |
| Q1 2025 | $94.7M | $87.2M | $65.4M | $5.8M | $76K | 0.32% | 2.85% | 0.03% |
| Q4 2024 | $93.1M | $86.3M | $63.1M | $5.6M | $27K | 0.03% | 2.52% | 0.11% |
| Q3 2024 | $93.1M | $85.8M | $63.1M | $5.9M | $86K | 0.12% | 2.50% | 0.14% |
Loan mix (Q2 2026): real estate $58.6M · commercial $11.1M · consumer $1.5M · securities $17.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community Bank Owatonna | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 62.9% | 62th |
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 | Community Bank Owatonna | 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 | Community Bank Owatonna | 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 | Community Bank Owatonna | 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 | Community Bank Owatonna | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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