No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $499.0M | $455.4M | $325.9M | $40.2M | $4.3M | 1.77% | 3.55% | 0.02% |
| Q1 2026 | $471.0M | $429.3M | $306.8M | $38.8M | $1.9M | 1.61% | 3.42% | 0.00% |
| Q4 2025 | $473.2M | $430.4M | $298.5M | $38.8M | $7.4M | 1.71% | 3.72% | 0.00% |
| Q3 2025 | $425.9M | $384.6M | $302.6M | $38.1M | $5.3M | 1.70% | 3.73% | 0.02% |
| Q2 2025 | $416.6M | $363.2M | $310.9M | $35.5M | $3.4M | 1.62% | 3.65% | 0.02% |
| Q1 2025 | $410.9M | $372.7M | $298.2M | $34.8M | $1.6M | 1.55% | 3.50% | 0.00% |
| Q4 2024 | $423.9M | $387.3M | $283.3M | $33.2M | $5.6M | 1.39% | 3.41% | 0.00% |
| Q3 2024 | $401.0M | $364.7M | $278.3M | $32.7M | $3.9M | 1.30% | 3.39% | 0.00% |
Loan mix (Q2 2026): real estate $278.0M · commercial $27.0M · consumer $8.6M · securities $86.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 21.7% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% |
Peer lists, growth filters, CSV export, CRM push.
| 62.9% |
| — |
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.
4 branches in 2 counties across 2 states (-1 vs 2024) · $363.2M branch deposits. Biggest market: Washington, MN, ranked 8th with 4.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, MN | 3 | $329.5M | 4.01% | 8th |
| St. Croix, WI | 1 | $33.7M | 1.16% | 13th |
Minnesota: 108th with 0.10% · Wisconsin: 260th with 0.01% · Minneapolis-St. Paul-Bloomington metro: 52nd, 0.14% ·
Branch count: 2022 6 · 2023 6 · 2024 5 · 2025 4