| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.5% | -2.1 pts |
| Deposit growth (YoY) | +8.0% | +5.1% | +3.0 pts |
| Loan growth (YoY) | +0.5% | +5.9% | -5.4 pts |
| ROA | 0.38% | 1.26% | -0.9 pts |
| ROE | 4.3% | 12.2% | -7.9 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.56B | $1.38B | $1.00B | $138.9M | $3.0M | 0.38% | 3.74% | 0.45% |
| Q1 2026 | $1.58B | $1.40B | $990.4M | $138.4M | $1.0M | 0.27% | 3.67% | 0.62% |
| Q4 2025 | $1.51B | $1.30B | $997.6M | $137.0M | $7.9M | 0.53% | 3.72% | 0.66% |
| Q3 2025 | $1.48B | $1.28B | $984.3M | $135.0M | $5.3M | 0.47% | 3.71% | 0.31% |
| Q2 2025 | $1.51B | $1.27B | $997.8M | $130.9M | $3.3M | 0.44% | 3.64% | 0.35% |
| Q1 2025 | $1.49B | $1.29B | $990.8M | $129.5M | $1.6M | 0.42% | 3.61% | 0.05% |
| Q4 2024 | $1.53B | $1.28B | $1.01B | $125.6M | $3.7M | 0.24% | 3.25% | 0.03% |
| Q3 2024 | $1.52B | $1.30B | $1.01B | $123.5M | $1.6M | 0.14% | 3.21% | 0.06% |
Loan mix (Q2 2026): real estate $783.5M · commercial $172.8M · consumer $28.9M · securities $428.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 1.26% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 12.2% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 59.0% | 93rd |
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.
37 branches in 19 counties across 2 states (+0 vs 2024) · $1.27B branch deposits. Biggest market: Davison, SD, ranked 2nd with 19.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Davison, SD | 3 | $219.2M | 19.44% | 2nd |
| Minnehaha, SD | 4 | $178.9M | 0.05% | 17th |
| Wright, MN | 3 | $176.8M | 5.52% | 7th |
| 16 more counties with Pro → | ||||
South Dakota: 19th with 0.09% · Minnesota: 80th with 0.13% · Minneapolis-St. Paul-Bloomington metro: 57th, 0.14% · Sioux Falls metro: 21st, 0.02% ·
Branch count: 2022 37 · 2023 37 · 2024 37 · 2025 37