| Metric | First Independent Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.7% | +4.9% | +10.8 pts |
| Deposit growth (YoY) | +19.1% | +4.3% | +14.7 pts |
| Loan growth (YoY) | +22.5% | +5.3% | +17.1 pts |
| ROA | 1.55% | 1.28% | +0.3 pts |
| ROE | 17.3% | 12.4% | +4.8 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $632.3M | $533.0M | $437.3M | $61.2M | $4.8M | 1.55% | 3.92% | 0.10% |
| Q1 2026 | $634.1M | $537.4M | $421.6M | $59.0M | $2.1M | 1.39% | 3.83% | 0.15% |
| Q4 2025 | $600.2M | $507.4M | $401.4M | $47.6M | $6.2M | 1.11% | 3.60% | 0.14% |
| Q3 2025 | $575.2M | $484.4M | $380.8M | $45.5M | $4.7M | 1.16% | 3.51% | 0.16% |
| Q2 2025 | $546.5M | $447.6M | $357.0M | $44.1M | $3.3M | 1.23% | 3.42% | 0.16% |
| Q1 2025 | $524.4M | $433.4M | $342.9M | $41.4M | $1.2M | 0.91% | 3.35% | 0.16% |
| Q4 2024 | $527.7M | $427.7M | $339.2M | $40.1M | $4.1M | 0.80% | 3.25% | 0.08% |
| Q3 2024 | $510.0M | $405.0M | $318.7M | $40.3M | $3.2M | 0.84% | 3.06% | 0.43% |
Loan mix (Q2 2026): real estate $263.2M · commercial $39.0M · consumer $7.7M · securities $136.6M
| Ratio | First Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.28% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 12.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.3% | 61.2% | 17th |
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 Independent Bank | 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 Independent Bank | 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 | First Independent Bank | 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 Independent Bank | 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 Independent Bank | 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.
11 branches in 6 counties across 1 state (+0 vs 2024) · $447.6M branch deposits. Biggest market: Lyon, MN, ranked 2nd with 23.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lyon, MN | 4 | $273.7M | 23.60% | 2nd |
| Redwood, MN | 2 | $61.0M | 7.79% | 5th |
| Lincoln, MN | 1 | $38.2M | 39.12% | 1st |
| 3 more counties with Pro → | ||||
Minnesota: 78th with 0.14% ·
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 11