| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +5.5% | +3.1 pts |
| Deposit growth (YoY) | +2.0% | +5.1% | -3.1 pts |
| Loan growth (YoY) | +9.0% | +5.9% | +3.1 pts |
| ROA | 1.25% | 1.26% | -0.0 pts |
| ROE | 12.1% | 12.2% | -0.1 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.49B | $1.12B | $1.07B | $153.0M | $9.1M | 1.25% | 3.43% | 0.28% |
| Q1 2026 | $1.44B | $1.14B | $1.04B | $150.5M | $5.0M | 1.42% | 3.39% | 0.65% |
| Q4 2025 | $1.42B | $1.14B | $1.02B | $146.0M | $16.2M | 1.16% | 3.14% | 0.47% |
| Q3 2025 | $1.42B | $1.14B | $1.00B | $140.9M | $11.9M | 1.15% | 3.13% | 0.48% |
| Q2 2025 | $1.37B | $1.10B | $983.1M | $135.1M | $7.5M | 1.09% | 3.07% | 0.46% |
| Q1 2025 | $1.38B | $1.13B | $982.2M | $132.3M | $3.5M | 1.03% | 3.05% | 0.43% |
| Q4 2024 | $1.36B | $1.09B | $983.9M | $126.5M | $10.0M | 0.77% | 2.58% | 0.13% |
| Q3 2024 | $1.35B | $1.05B | $964.9M | $127.8M | $7.1M | 0.73% | 2.52% | 0.14% |
Loan mix (Q2 2026): real estate $711.3M · commercial $159.8M · consumer $15.9M · securities $311.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.26% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 12.2% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.0% | 59.0% | 12th |
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.
8 branches in 4 counties across 2 states (+0 vs 2024) · $1.10B branch deposits. Biggest market: Madison, NE, ranked 1st with 36.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, NE | 5 | $808.2M | 36.19% | 1st |
| Wayne, NE | 1 | $126.8M | 27.59% | 2nd |
| Yankton, SD | 1 | $91.1M | 6.77% | 4th |
| 1 more county with Pro → | ||||
Nebraska: 17th with 1.04% · South Dakota: 63rd with 0.01% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8