| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.1 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 1.93% | 1.24% | +0.7 pts |
| ROE | 17.0% | 11.9% | +5.2 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $165.6M | $146.1M | $85.8M | $19.1M | $1.6M | 1.93% | 3.96% | 0.00% |
| Q1 2026 | $165.4M | $146.5M | $82.1M | $18.6M | $884K | 2.17% | 3.90% | 0.16% |
| Q4 2025 | $159.8M | $141.6M | $80.7M | $18.0M | $2.6M | 1.66% | 4.06% | 0.04% |
| Q3 2025 | $156.7M | $138.3M | $82.0M | $17.9M | $2.3M | 1.94% | 4.10% | 0.00% |
| Q2 2025 | $156.9M | $139.1M | $80.0M | $17.5M | $1.6M | 2.08% | 4.09% | 0.00% |
| Q1 2025 | $159.5M | $142.3M | $78.8M | $17.0M | $939K | 2.39% | 4.05% | 0.00% |
| Q4 2024 | $154.9M | $138.5M | $86.2M | $16.3M | $3.2M | 2.10% | 4.49% | 0.01% |
| Q3 2024 | $148.2M | $129.1M | $75.9M | $16.8M | $2.9M | 2.52% | 4.61% | 0.00% |
Loan mix (Q2 2026): real estate $50.5M · commercial $9.6M · consumer $2.8M · securities $46.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.1% | 62.9% | 20th |
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 38% 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).
3 branches in 3 counties across 1 state (+0 vs 2025) · $146.1M branch deposits. Biggest market: Valley, NE, ranked 1st with 43.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Valley, NE | 1 | $105.4M | 43.61% | 1st |
| Custer, NE | 1 | $25.3M | 4.58% | 6th |
| Greeley, NE | 1 | $15.5M | 9.35% | 5th |
Nebraska: 106th with 0.14% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3