| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.7 pts |
| Deposit growth (YoY) | +2.4% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +17.2% | +5.6% | +11.6 pts |
| ROA | 2.29% | 1.24% | +1.1 pts |
| ROE | 36.0% | 11.9% | +24.1 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $123.5M | $110.1M | $52.8M | $7.4M | $1.4M | 2.29% | 3.93% | 1.08% |
| Q1 2026 | $120.9M | $113.0M | $44.2M | $7.5M | $690K | 2.32% | 3.93% | 1.12% |
| Q4 2025 | $117.0M | $108.5M | $45.7M | $8.1M | $2.8M | 2.52% | 4.16% | 1.16% |
| Q3 2025 | $112.4M | $104.9M | $46.0M | $7.0M | $2.1M | 2.48% | 4.17% | 1.21% |
| Q2 2025 | $114.3M | $107.5M | $45.0M | $6.3M | $1.4M | 2.46% | 4.14% | 1.19% |
| Q1 2025 | $112.9M | $106.1M | $42.2M | $6.4M | $697K | 2.53% | 4.21% | 1.11% |
| Q4 2024 | $107.7M | $101.4M | $42.4M | $5.9M | $3.0M | 2.72% | 4.53% | 1.16% |
| Q3 2024 | $107.3M | $100.4M | $45.3M | $6.5M | $2.3M | 2.86% | 4.57% | 1.17% |
Loan mix (Q2 2026): real estate $21.4M · commercial $6.2M · consumer $3.5M · securities $50.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 1.24% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 36.0% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.5% | 62.9% | 4th |
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.
3 branches in 2 counties across 1 state (+0 vs 2025) · $110.1M branch deposits. Biggest market: Golden Valley, ND, ranked 1st with 56.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Golden Valley, ND | 2 | $96.4M | 56.69% | 1st |
| Billings, ND | 1 | $13.7M | 100.00% | 1st |
North Dakota: 59th with 0.23% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (18 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).