| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.1% | +4.4% | +15.7 pts |
| Deposit growth (YoY) | +24.6% | +4.0% | +20.6 pts |
| Loan growth (YoY) | +15.4% | +5.6% | +9.9 pts |
| ROA | 1.58% | 1.24% | +0.3 pts |
| ROE | 14.6% | 11.9% | +2.7 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $422.7M | $373.8M | $358.8M | $47.2M | $3.0M | 1.58% | 3.88% | 0.05% |
| Q1 2026 | $360.9M | $318.6M | $322.2M | $36.7M | $1.2M | 1.36% | 3.64% | 0.09% |
| Q4 2025 | $368.6M | $310.9M | $314.6M | $41.4M | $5.0M | 1.39% | 3.53% | 0.08% |
| Q3 2025 | $348.0M | $297.3M | $306.0M | $41.1M | $3.7M | 1.39% | 3.51% | 0.02% |
| Q2 2025 | $352.1M | $300.0M | $310.8M | $40.7M | $2.3M | 1.31% | 3.34% | 0.69% |
| Q1 2025 | $355.3M | $306.5M | $315.0M | $40.4M | $1.1M | 1.20% | 3.17% | 0.68% |
| Q4 2024 | $354.9M | $303.8M | $310.3M | $40.1M | $3.9M | 1.12% | 3.10% | 0.69% |
| Q3 2024 | $344.5M | $290.5M | $304.3M | $39.7M | $2.9M | 1.10% | 3.12% | 0.71% |
Loan mix (Q2 2026): real estate $210.5M · commercial $30.5M · consumer $4.0M · securities $28.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 62.9% | 41st |
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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Feb 25, 2026 | Acquirer | Peoples State Bank of Wells | Merger | Completed | Federal Reserve |
6 branches in 4 counties across 2 states (+1 vs 2025) · $373.8M branch deposits. Biggest market: Winnebago, IA, ranked 2nd with 29.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Winnebago, IA | 2 | $198.4M | 29.62% | 2nd |
| Faribault, MN | 2 | $88.2M | 12.56% | 4th |
| Hancock, IA | 1 | $65.4M | 17.16% | 3rd |
| 1 more county with Pro → | ||||
Iowa: 114th with 0.18% · Minnesota: 259th with 0.02% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 6
Technology spend in line with peers (18 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).