| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1062.1% | +4.4% | +1057.7 pts |
| Deposit growth (YoY) | +64.6% | +4.0% | +60.6 pts |
| Loan growth (YoY) | +1251.5% | +5.6% | +1246.0 pts |
| ROA | -2.74% | 1.24% | -4.0 pts |
| ROE | -5.6% | 11.9% | -17.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $450.0M | $56.1M | $256.6M | $254.1M | $-2.4M | -2.74% | 1.51% | 0.00% |
| Q1 2026 | $38.2M | $32.6M | $19.3M | $2.1M | $-61K | -0.64% | 2.75% | 0.46% |
| Q4 2025 | $38.6M | $33.9M | $19.2M | $2.2M | $-237K | -0.60% | 2.62% | 0.45% |
| Q3 2025 | $39.4M | $33.2M | $19.7M | $2.2M | $-181K | -0.61% | 2.59% | 0.45% |
| Q2 2025 | $38.7M | $34.1M | $19.0M | $2.0M | $-100K | -0.50% | 2.58% | 0.00% |
| Q1 2025 | $40.4M | $34.5M | $19.8M | $2.0M | $-71K | -0.70% | 2.57% | 0.00% |
| Q4 2024 | $40.6M | $35.4M | $19.6M | $1.9M | $-244K | -0.59% | 2.60% | 0.00% |
| Q3 2024 | $41.9M | $35.9M | $20.3M | $2.3M | $-182K | -0.58% | 2.60% | 0.00% |
Loan mix (Q2 2026): real estate $15.5M · commercial $100.2M · consumer $388K · securities $4.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.74% | 1.24% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -5.6% | 11.9% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 1.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 133.9% | 62.9% | 99th |
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.
GreatAmerica Bank National Association is in an open deal as the acquirer: GreatAmerica Holdings, Inc. to acquire Heritage Bank (approved). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jun 12, 2026 | Target | GreatAmerica Bank National Association | Merger | Completed | OCC |
| May 28, 2026 | Acquirer | Heritage Bank | Other | Approved | Federal Reserve |
| Feb 28, 2026 | Acquirer | — | New holding company | Pending | Federal Reserve |
4 branches in 2 counties across 1 state (+1 vs 2025) · $56.1M branch deposits. Biggest market: Linn, IA, ranked 26th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Linn, IA | 3 | $36.1M | 0.34% | 26th |
| Delaware, IA | 1 | $20.0M | 1.91% | 7th |
Iowa: 281st with 0.04% · Cedar Rapids metro: 41st, 0.29% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4
Spends 1.7× the peer median on technology. 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).