| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.2% | +4.4% | +8.8 pts |
| Deposit growth (YoY) | +12.8% | +4.0% | +8.8 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.5 pts |
| ROA | 0.90% | 1.24% | -0.3 pts |
| ROE | 10.1% | 11.9% | -1.8 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.8M | $110.9M | $24.5M | $10.7M | $516K | 0.90% | 3.17% | 0.37% |
| Q1 2026 | $107.9M | $97.2M | $24.2M | $10.1M | $78K | 0.28% | 2.58% | 0.07% |
| Q4 2025 | $111.7M | $100.9M | $24.8M | $9.8M | $924K | 0.84% | 3.76% | 0.05% |
| Q3 2025 | $111.2M | $100.5M | $24.5M | $9.7M | $981K | 1.20% | 3.47% | 0.05% |
| Q2 2025 | $108.5M | $98.4M | $23.8M | $9.2M | $775K | 1.43% | 3.43% | 0.05% |
| Q1 2025 | $109.4M | $99.6M | $24.4M | $8.7M | $268K | 0.99% | 2.85% | 0.06% |
| Q4 2024 | $107.3M | $98.1M | $24.9M | $8.2M | $820K | 0.73% | 3.26% | 0.10% |
| Q3 2024 | $103.8M | $93.3M | $25.3M | $9.7M | $651K | 0.76% | 2.93% | 0.26% |
Loan mix (Q2 2026): real estate $22.9M · commercial $549K · consumer $1.2M · securities $52.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 62.9% | 79th |
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 1 county across 1 state (+0 vs 2025) · $110.9M branch deposits. Biggest market: Cass, MI, ranked 2nd with 20.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cass, MI | 4 | $110.9M | 20.31% | 2nd |
Michigan: 194th with 0.03% · South Bend-Mishawaka metro: 17th, 1.21% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (26 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).