| Metric | Mayville State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.0% | -1.8 pts |
| Deposit growth (YoY) | +0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | -3.1% | +2.6% | -5.7 pts |
| ROA | 0.97% | 0.99% | -0.0 pts |
| ROE | 10.1% | 8.1% | +2.0 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $94.6M | $85.0M | $43.6M | $9.4M | $468K | 0.97% | 3.78% | 0.98% |
| Q1 2026 | $97.4M | $87.7M | $43.9M | $9.3M | $210K | 0.87% | 3.77% | 0.68% |
| Q4 2025 | $96.6M | $87.3M | $44.8M | $9.2M | $749K | 0.79% | 3.68% | 0.75% |
| Q3 2025 | $94.1M | $84.7M | $45.5M | $9.2M | $575K | 0.81% | 3.65% | 0.66% |
| Q2 2025 | $93.6M | $85.0M | $45.0M | $8.3M | $370K | 0.78% | 3.59% | 0.61% |
| Q1 2025 | $94.6M | $86.3M | $43.9M | $8.2M | $172K | 0.71% | 3.53% | 0.58% |
| Q4 2024 | $98.1M | $90.3M | $43.9M | $7.5M | $469K | 0.49% | 3.33% | 0.27% |
| Q3 2024 | $96.7M | $88.1M | $44.7M | $8.4M | $345K | 0.49% | 3.29% | 0.23% |
Loan mix (Q2 2026): real estate $37.3M · commercial $1.9M · consumer $4.7M · securities $33.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mayville State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.99% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 8.1% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 70.8% | 51st |
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 | Mayville 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 | Mayville 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 | Mayville 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 | Mayville 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 | Mayville 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.
Mayville State Bank is in an open deal as the target: Tri-County Bank to acquire Mayville State Bank (approved). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jul 30, 2026 | Target | Tri-County Bank | Merger | Approved | Federal Reserve |
| Jul 30, 2026 | Target | Tri-County Bank | Merger | Approved | Federal Reserve |
| Jul 15, 2026 | Target | Tri-County Bancorp, Inc. | Merger | Approved | Federal Reserve |
2 branches in 1 county across 1 state (+0 vs 2025) · $85.0M branch deposits. Biggest market: Tuscola, MI, ranked 5th with 7.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tuscola, MI | 2 | $85.0M | 7.68% | 5th |
Michigan: 209th with 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (21 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).