| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +7.2% | +4.0% | +3.2 pts |
| Loan growth (YoY) | +9.0% | +5.6% | +3.4 pts |
| ROA | 2.04% | 1.24% | +0.8 pts |
| ROE | 24.6% | 11.9% | +12.7 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201.1M | $181.5M | $146.8M | $16.6M | $2.0M | 2.04% | 5.12% | 0.04% |
| Q1 2026 | $198.5M | $178.8M | $145.8M | $16.9M | $982K | 1.97% | 5.07% | 0.02% |
| Q4 2025 | $199.5M | $180.5M | $144.9M | $16.1M | $3.1M | 1.64% | 4.89% | 0.00% |
| Q3 2025 | $189.5M | $170.8M | $140.2M | $16.0M | $2.4M | 1.69% | 4.82% | 0.00% |
| Q2 2025 | $187.5M | $169.4M | $134.7M | $15.4M | $1.5M | 1.64% | 4.70% | 0.07% |
| Q1 2025 | $190.9M | $173.3M | $134.8M | $14.8M | $668K | 1.41% | 4.50% | 0.28% |
| Q4 2024 | $187.8M | $168.8M | $131.9M | $14.3M | $2.1M | 1.15% | 4.21% | 0.34% |
| Q3 2024 | $180.5M | $160.8M | $132.6M | $14.7M | $1.5M | 1.08% | 4.10% | 0.29% |
Loan mix (Q2 2026): real estate $133.3M · commercial $12.0M · consumer $2.3M · securities $24.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.04% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 24.6% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 62.9% | 31st |
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.
Spends 1.6× 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).
3 branches in 2 counties across 1 state (+0 vs 2025) · $181.5M branch deposits. Biggest market: Waseca, MN, ranked 3rd with 20.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Waseca, MN | 1 | $131.3M | 20.68% | 3rd |
| Steele, MN | 2 | $50.3M | 4.32% | 10th |
Minnesota: 184th with 0.05% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3