| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.9% | +2.2 pts |
| Deposit growth (YoY) | +8.8% | +4.3% | +4.5 pts |
| Loan growth (YoY) | +5.0% | +5.3% | -0.3 pts |
| ROA | 1.67% | 1.28% | +0.4 pts |
| ROE | 16.3% | 12.4% | +3.9 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $794.1M | $694.7M | $569.7M | $80.4M | $6.5M | 1.67% | 3.88% | 0.41% |
| Q1 2026 | $779.9M | $679.6M | $564.3M | $79.1M | $2.9M | 1.52% | 3.84% | 0.21% |
| Q4 2025 | $770.9M | $666.7M | $566.8M | $79.5M | $13.1M | 1.76% | 3.81% | 0.39% |
| Q3 2025 | $750.5M | $641.0M | $554.1M | $77.8M | $7.5M | 1.37% | 3.76% | 0.56% |
| Q2 2025 | $741.3M | $638.5M | $542.5M | $74.9M | $5.7M | 1.56% | 3.71% | 0.09% |
| Q1 2025 | $729.8M | $630.9M | $528.6M | $74.5M | $2.3M | 1.25% | 3.54% | 0.10% |
| Q4 2024 | $709.5M | $607.8M | $533.2M | $72.9M | $9.3M | 1.32% | 3.42% | 0.11% |
| Q3 2024 | $702.3M | $606.5M | $520.1M | $74.1M | $6.2M | 1.16% | 3.34% | 0.70% |
Loan mix (Q2 2026): real estate $359.8M · commercial $114.7M · consumer $43.0M · securities $152.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.28% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 12.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 61.2% | 38th |
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.
3 branches in 2 counties across 1 state (+0 vs 2024) · $638.5M branch deposits. Biggest market: Winneshiek, IA, ranked 1st with 41.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Winneshiek, IA | 2 | $504.3M | 41.68% | 1st |
| Howard, IA | 1 | $134.2M | 23.53% | 2nd |
Iowa: 47th with 0.43% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3