| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +3.0% | -8.4 pts |
| Deposit growth (YoY) | -6.8% | +2.5% | -9.3 pts |
| Loan growth (YoY) | +7.8% | +2.6% | +5.2 pts |
| ROA | 1.03% | 0.99% | +0.0 pts |
| ROE | 7.4% | 8.1% | -0.7 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.3M | $74.1M | $61.6M | $12.4M | $449K | 1.03% | 3.77% | 2.22% |
| Q1 2026 | $87.0M | $74.0M | $59.2M | $12.2M | $219K | 1.00% | 3.67% | 2.12% |
| Q4 2025 | $87.7M | $75.0M | $59.9M | $12.0M | $752K | 0.83% | 3.62% | 1.99% |
| Q3 2025 | $87.8M | $74.7M | $57.7M | $12.3M | $586K | 0.85% | 3.55% | 2.01% |
| Q2 2025 | $92.4M | $79.5M | $57.1M | $12.1M | $450K | 0.97% | 3.52% | 1.80% |
| Q1 2025 | $91.1M | $78.8M | $58.6M | $11.6M | $194K | 0.84% | 3.38% | 1.85% |
| Q4 2024 | $94.3M | $82.2M | $58.8M | $11.2M | $554K | 0.59% | 3.31% | 2.02% |
| Q3 2024 | $94.6M | $82.0M | $62.8M | $11.7M | $347K | 0.49% | 3.29% | 2.12% |
Loan mix (Q2 2026): real estate $20.9M · commercial $21.8M · consumer $19.6M · securities $9.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.99% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 8.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 70.8% | 53rd |
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 1 county across 1 state (+0 vs 2025) · $74.1M branch deposits. Biggest market: Black Hawk, IA, ranked 15th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Black Hawk, IA | 2 | $74.1M | 1.12% | 15th |
Iowa: 262nd with 0.05% · Waterloo-Cedar Falls metro: 23rd, 0.84% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (20 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).