| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.2% | +4.4% | +8.8 pts |
| Deposit growth (YoY) | +13.5% | +4.0% | +9.6 pts |
| Loan growth (YoY) | +8.3% | +5.6% | +2.8 pts |
| ROA | 2.15% | 1.24% | +0.9 pts |
| ROE | 20.0% | 11.9% | +8.1 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $458.4M | $400.6M | $277.3M | $51.6M | $5.1M | 2.15% | 3.47% | 0.00% |
| Q1 2026 | $465.7M | $409.1M | $269.8M | $50.9M | $2.8M | 2.27% | 3.43% | 0.00% |
| Q4 2025 | $503.6M | $445.8M | $265.2M | $51.2M | $7.9M | 1.83% | 3.42% | 0.00% |
| Q3 2025 | $402.1M | $348.1M | $262.3M | $48.1M | $5.7M | 1.84% | 3.41% | 0.00% |
| Q2 2025 | $405.0M | $352.9M | $256.0M | $46.7M | $3.8M | 1.80% | 3.31% | 0.00% |
| Q1 2025 | $422.8M | $372.7M | $234.8M | $45.3M | $1.8M | 1.68% | 3.11% | 0.00% |
| Q4 2024 | $425.1M | $376.1M | $235.3M | $43.6M | $6.8M | 1.79% | 3.32% | 0.00% |
| Q3 2024 | $372.2M | $323.2M | $249.2M | $43.8M | $4.8M | 1.74% | 3.38% | 0.00% |
Loan mix (Q2 2026): real estate $112.8M · commercial $17.8M · consumer $2.4M · securities $126.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 20.0% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 35.0% | 62.9% | 1st |
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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $352.9M branch deposits. Biggest market: Haakon, SD, ranked 1st with 97.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Haakon, SD | 1 | $283.8M | 97.01% | 1st |
| Meade, SD | 1 | $69.1M | 10.51% | 3rd |
South Dakota: 30th with 0.04% · Rapid City metro: 14th, 1.25% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2