No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $369.2M | $269.9M | $272.2M | $31.2M | $1.0M | 0.57% | 3.53% | 0.39% |
| Q1 2026 | $362.5M | $272.0M | $266.0M | $30.9M | $422K | 0.46% | 3.46% | 0.40% |
| Q4 2025 | $363.9M | $270.1M | $264.8M | $30.6M | $4.7M | 1.30% | 3.21% | 0.13% |
| Q3 2025 | $354.3M | $280.4M | $260.1M | $27.4M | $1.5M | 0.57% | 3.20% | 0.15% |
| Q2 2025 | $362.1M | $272.7M | $263.5M | $25.8M | $915K | 0.51% | 3.11% | 0.15% |
| Q1 2025 | $363.0M | $286.7M | $262.2M | $25.0M | $378K | 0.42% | 3.02% | 0.03% |
| Q4 2024 | $357.0M | $290.3M | $259.6M | $24.0M | $2.0M | 0.56% | 2.93% | 0.03% |
| Q3 2024 | $362.2M | $281.9M | $256.0M | $26.2M | $1.5M | 0.55% | 2.93% | 0.03% |
Loan mix (Q2 2026): real estate $224.0M · commercial $44.9M · consumer $5.8M · securities $62.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank Elk River | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 11.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 62.9% | 83th |
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 | First Bank Elk River | 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 | First Bank Elk River | 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 | First Bank Elk River | 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 | First Bank Elk River | 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.