| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +76.2% | +4.4% | +71.8 pts |
| Deposit growth (YoY) | +75.7% | +4.0% | +71.7 pts |
| Loan growth (YoY) | +68.1% | +5.6% | +62.5 pts |
| ROA | 1.71% | 1.24% | +0.5 pts |
| ROE | 21.6% | 11.9% | +9.7 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $207.2M | $189.6M | $129.8M | $16.7M | $1.8M | 1.71% | 4.19% | 0.06% |
| Q1 2026 | $201.5M | $182.4M | $130.3M | $16.4M | $755K | 1.47% | 4.17% | 0.08% |
| Q4 2025 | $122.9M | $112.8M | $82.2M | $9.7M | $1.7M | 1.37% | 3.69% | 0.00% |
| Q3 2025 | $124.8M | $114.6M | $77.5M | $9.6M | $1.3M | 1.47% | 3.52% | 0.01% |
| Q2 2025 | $117.6M | $107.9M | $77.2M | $9.3M | $806K | 1.35% | 3.40% | 0.00% |
| Q1 2025 | $119.5M | $103.1M | $74.4M | $9.0M | $369K | 1.23% | 3.23% | 0.00% |
| Q4 2024 | $120.0M | $110.3M | $72.4M | $8.8M | $1.1M | 0.90% | 3.07% | 0.00% |
| Q3 2024 | $126.4M | $117.3M | $71.9M | $8.7M | $810K | 0.89% | 2.97% | 0.00% |
Loan mix (Q2 2026): real estate $104.2M · commercial $13.4M · consumer $5.2M · securities $59.8M
| Ratio | Grand Marais State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 21.6% | 11.9% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 62.9% | 43rd |
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 | Grand Marais State Bank | 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 | Grand Marais State Bank | 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 | Grand Marais State Bank | 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 | Grand Marais State Bank | 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 | Grand Marais State Bank | 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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Oct 27, 2025 | Acquirer | by merger CenBank | Merger | Completed | Federal Reserve |
5 branches in 4 counties across 1 state (+3 vs 2025) · $189.6M branch deposits. Biggest market: Cook, MN, ranked 1st with 49.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cook, MN | 2 | $113.5M | 49.79% | 1st |
| Big Stone, MN | 1 | $37.2M | 14.02% | 3rd |
| Renville, MN | 1 | $23.5M | 4.48% | 8th |
| 1 more county with Pro → | ||||
Minnesota: 175th with 0.05% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 5
Technology spend up 26% in 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).