| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +3.1% | +4.0% | -0.8 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 0.89% | 1.24% | -0.4 pts |
| ROE | 7.1% | 11.9% | -4.8 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.6M | $159.0M | $105.9M | $22.7M | $806K | 0.89% | 2.99% | 1.61% |
| Q1 2026 | $183.3M | $160.0M | $105.2M | $22.3M | $360K | 0.80% | 2.86% | 1.67% |
| Q4 2025 | $177.9M | $153.9M | $105.9M | $23.1M | $1.2M | 0.70% | 2.74% | 1.78% |
| Q3 2025 | $175.9M | $152.1M | $106.5M | $22.7M | $995K | 0.75% | 2.69% | 2.02% |
| Q2 2025 | $177.2M | $154.1M | $105.4M | $22.1M | $571K | 0.65% | 2.60% | 2.34% |
| Q1 2025 | $174.1M | $151.5M | $102.6M | $21.6M | $257K | 0.59% | 2.55% | 2.47% |
| Q4 2024 | $176.0M | $152.8M | $103.1M | $22.3M | $785K | 0.45% | 2.47% | 1.61% |
| Q3 2024 | $172.3M | $148.8M | $102.2M | $22.5M | $653K | 0.51% | 2.46% | 1.43% |
Loan mix (Q2 2026): real estate $87.7M · commercial $8.1M · consumer $4.7M · securities $59.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.9% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 62.9% | 72nd |
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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $159.0M branch deposits. Biggest market: Des Moines, IA, ranked 6th with 6.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Des Moines, IA | 1 | $109.5M | 6.88% | 6th |
| Henry, IA | 1 | $49.4M | 8.66% | 4th |
Iowa: 187th with 0.10% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (17 bps of assets, 2025). 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).