| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +3.0% | +2.6 pts |
| Deposit growth (YoY) | +3.5% | +2.5% | +1.0 pts |
| Loan growth (YoY) | -0.3% | +2.6% | -2.9 pts |
| ROA | 2.06% | 0.99% | +1.1 pts |
| ROE | 14.8% | 8.1% | +6.7 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 | $85.2M | $72.5M | $37.6M | $12.4M | $880K | 2.06% | 4.13% | 0.04% |
| Q1 2026 | $86.0M | $73.9M | $35.9M | $11.8M | $437K | 2.04% | 4.04% | 0.02% |
| Q4 2025 | $85.3M | $73.4M | $38.4M | $11.5M | $1.5M | 1.82% | 3.97% | 0.02% |
| Q3 2025 | $81.3M | $69.9M | $37.2M | $11.0M | $1.2M | 1.92% | 3.91% | 0.37% |
| Q2 2025 | $80.7M | $70.1M | $37.7M | $10.2M | $515K | 1.28% | 3.76% | 0.00% |
| Q1 2025 | $82.0M | $71.0M | $38.1M | $9.7M | $299K | 1.49% | 3.70% | 1.21% |
| Q4 2024 | $79.0M | $68.2M | $38.3M | $10.3M | $1.5M | 1.81% | 4.00% | 0.14% |
| Q3 2024 | $79.8M | $68.8M | $39.9M | $10.5M | $1.2M | 1.98% | 4.02% | 0.16% |
Loan mix (Q2 2026): real estate $20.8M · commercial $8.2M · consumer $1.8M · securities $28.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 0.99% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 8.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 70.8% | 10th |
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 2025) · $72.5M branch deposits. Biggest market: Yellow Medicine, MN, ranked 4th with 5.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Yellow Medicine, MN | 1 | $38.9M | 5.31% | 4th |
| Lincoln, MN | 1 | $33.6M | 24.96% | 2nd |
Minnesota: 282nd with 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (25 bps of assets, 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).