| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.6 pts |
| Loan growth (YoY) | -2.5% | +5.6% | -8.1 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 9.8% | 11.9% | -2.1 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $117.4M | $101.3M | $79.8M | $13.2M | $638K | 1.10% | 4.20% | 4.56% |
| Q1 2026 | $118.2M | $102.2M | $79.2M | $12.9M | $354K | 1.22% | 4.34% | 4.90% |
| Q4 2025 | $113.7M | $97.8M | $81.0M | $12.9M | $735K | 0.66% | 3.82% | 4.91% |
| Q3 2025 | $111.1M | $95.2M | $81.7M | $12.6M | $492K | 0.59% | 3.65% | 5.29% |
| Q2 2025 | $110.0M | $94.2M | $81.9M | $12.4M | $401K | 0.73% | 3.91% | 4.51% |
| Q1 2025 | $111.6M | $95.7M | $81.9M | $12.3M | $160K | 0.58% | 3.90% | 3.87% |
| Q4 2024 | $108.4M | $92.7M | $84.0M | $12.0M | $715K | 0.68% | 3.93% | 3.61% |
| Q3 2024 | $105.9M | $90.2M | $83.8M | $11.9M | $560K | 0.71% | 3.89% | 4.26% |
Loan mix (Q2 2026): real estate $60.0M · commercial $9.6M · consumer $6.9M · securities $16.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 62.9% | 58th |
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) · $94.2M branch deposits. Biggest market: Itasca, MN, ranked 9th with 4.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Itasca, MN | 1 | $67.8M | 4.85% | 9th |
| Beltrami, MN | 1 | $26.4M | 1.35% | 11th |
Minnesota: 246th with 0.03% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2