| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +5.5% | -0.8 pts |
| Deposit growth (YoY) | +4.0% | +5.1% | -1.0 pts |
| Loan growth (YoY) | -2.2% | +5.9% | -8.1 pts |
| ROA | 1.23% | 1.26% | -0.0 pts |
| ROE | 13.1% | 12.2% | +0.9 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.11B | $955.6M | $652.9M | $104.9M | $6.8M | 1.23% | 2.97% | 0.84% |
| Q1 2026 | $1.09B | $939.3M | $665.8M | $103.1M | $3.2M | 1.17% | 2.89% | 0.87% |
| Q4 2025 | $1.11B | $952.9M | $671.5M | $104.5M | $10.0M | 0.91% | 2.51% | 0.88% |
| Q3 2025 | $1.06B | $914.7M | $670.6M | $100.5M | $5.9M | 0.72% | 2.41% | 1.27% |
| Q2 2025 | $1.06B | $918.4M | $667.6M | $97.5M | $3.7M | 0.68% | 2.33% | 1.04% |
| Q1 2025 | $1.12B | $971.7M | $683.0M | $93.1M | $1.1M | 0.41% | 2.23% | 1.10% |
| Q4 2024 | $1.11B | $956.9M | $680.1M | $89.7M | $5.2M | 0.47% | 1.88% | 1.01% |
| Q3 2024 | $1.08B | $905.0M | $683.9M | $93.6M | $3.3M | 0.40% | 1.81% | 1.17% |
Loan mix (Q2 2026): real estate $623.1M · commercial $26.8M · consumer $4.6M · securities $359.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.26% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.2% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 59.0% | 38th |
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.
9 branches in 4 counties across 1 state (+0 vs 2024) · $918.4M branch deposits. Biggest market: Story, IA, ranked 1st with 17.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Story, IA | 3 | $635.5M | 17.54% | 1st |
| Polk, IA | 3 | $172.4M | 0.48% | 25th |
| Clarke, IA | 2 | $110.5M | 31.33% | 2nd |
| 1 more county with Pro → | ||||
Iowa: 32nd with 0.62% · Ames metro: 1st, 14.63% · Des Moines-West Des Moines metro: 39th, 0.40% ·
Branch count: 2022 8 · 2023 9 · 2024 9 · 2025 9