| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +3.0% | +4.6 pts |
| Deposit growth (YoY) | +9.4% | +2.5% | +6.9 pts |
| Loan growth (YoY) | +3.2% | +2.6% | +0.6 pts |
| ROA | 1.46% | 0.99% | +0.5 pts |
| ROE | 9.4% | 8.1% | +1.3 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.4M | $38.2M | $14.2M | $7.0M | $325K | 1.46% | 3.06% | 0.00% |
| Q1 2026 | $44.2M | $37.1M | $14.0M | $6.9M | $152K | 1.38% | 3.02% | 0.00% |
| Q4 2025 | $44.1M | $37.0M | $13.7M | $6.9M | $554K | 1.31% | 3.06% | 0.00% |
| Q3 2025 | $42.0M | $34.6M | $14.2M | $7.2M | $395K | 1.26% | 3.12% | 0.00% |
| Q2 2025 | $42.2M | $35.0M | $13.8M | $7.1M | $282K | 1.36% | 3.12% | 0.00% |
| Q1 2025 | $40.9M | $33.9M | $13.7M | $6.8M | $143K | 1.39% | 3.27% | 0.00% |
| Q4 2024 | $41.7M | $34.9M | $14.0M | $6.7M | $667K | 1.65% | 3.31% | 0.00% |
| Q3 2024 | $40.3M | $33.1M | $13.7M | $7.0M | $436K | 1.45% | 3.25% | 0.00% |
Loan mix (Q2 2026): real estate $9.9M · commercial $907K · consumer $2.4M · securities $19.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.99% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 8.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 70.8% | 7th |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $38.2M branch deposits. Biggest market: Marshall, MN, ranked 6th with 9.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marshall, MN | 1 | $38.2M | 9.19% | 6th |
Minnesota: 320th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1