| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.8 pts |
| Loan growth (YoY) | +0.9% | +5.6% | -4.7 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 8.1% | 11.9% | -3.8 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $108.3M | $83.9M | $68.5M | $14.6M | $577K | 1.06% | 3.32% | 0.00% |
| Q1 2026 | $107.1M | $83.2M | $65.6M | $14.2M | $244K | 0.89% | 3.26% | 0.12% |
| Q4 2025 | $111.2M | $86.5M | $72.8M | $14.0M | $1.1M | 0.98% | 3.26% | 0.00% |
| Q3 2025 | $111.0M | $77.6M | $72.9M | $13.9M | $773K | 0.96% | 3.24% | 0.00% |
| Q2 2025 | $106.3M | $82.9M | $67.9M | $13.4M | $503K | 0.95% | 3.21% | 0.00% |
| Q1 2025 | $106.1M | $82.9M | $65.5M | $13.1M | $205K | 0.78% | 3.07% | 0.00% |
| Q4 2024 | $104.1M | $79.2M | $69.3M | $12.8M | $871K | 0.85% | 3.21% | 0.01% |
| Q3 2024 | $105.1M | $75.6M | $69.7M | $13.4M | $699K | 0.91% | 3.24% | 0.00% |
Loan mix (Q2 2026): real estate $38.4M · commercial $4.5M · consumer $997K · securities $25.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 62.9% | 54th |
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.
Technology spend up 80% in 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).
2 branches in 2 counties across 1 state (+0 vs 2025) · $83.9M branch deposits. Biggest market: Nance, NE, ranked 1st with 44.7% of deposits.
Nebraska: 138th with 0.08% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2