| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +3.0% | +4.3 pts |
| Deposit growth (YoY) | +6.8% | +2.5% | +4.3 pts |
| Loan growth (YoY) | +9.0% | +2.6% | +6.4 pts |
| ROA | 2.36% | 0.99% | +1.4 pts |
| ROE | 18.3% | 8.1% | +10.3 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $94.5M | $81.8M | $30.8M | $12.3M | $1.1M | 2.36% | 4.59% | 1.78% |
| Q1 2026 | $92.9M | $80.6M | $28.4M | $11.9M | $528K | 2.27% | 4.58% | 1.70% |
| Q4 2025 | $93.4M | $81.1M | $26.7M | $11.9M | $2.0M | 2.21% | 4.43% | 1.72% |
| Q3 2025 | $86.0M | $73.9M | $29.8M | $11.6M | $1.5M | 2.21% | 4.42% | 1.93% |
| Q2 2025 | $88.1M | $76.6M | $28.2M | $11.0M | $956K | 2.17% | 4.33% | 1.80% |
| Q1 2025 | $87.5M | $76.5M | $26.4M | $10.5M | $493K | 2.24% | 4.40% | 1.82% |
| Q4 2024 | $88.9M | $78.6M | $25.2M | $9.9M | $1.5M | 1.75% | 3.92% | 1.97% |
| Q3 2024 | $77.8M | $67.4M | $26.9M | $9.8M | $1.1M | 1.76% | 3.83% | 2.26% |
Loan mix (Q2 2026): real estate $3.4M · commercial $12.1M · consumer $3.0M · securities $39.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.36% | 0.99% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 8.1% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% | 70.8% | 9th |
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.
1 branches in 1 county across 1 state (+0 vs 2024) · $76.6M branch deposits. Biggest market: Musselshell, MT, ranked 1st with 66.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Musselshell, MT | 1 | $76.6M | 66.44% | 1st |
Montana: 58th with 0.17% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1