| Metric | Minnwest Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +5.5% | -4.9 pts |
| Deposit growth (YoY) | -0.4% | +5.1% | -5.5 pts |
| Loan growth (YoY) | +6.5% | +5.9% | +0.6 pts |
| ROA | 1.14% | 1.26% | -0.1 pts |
| ROE | 10.3% | 12.2% | -1.9 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.94B | $2.57B | $2.32B | $338.2M | $17.0M | 1.14% | 4.23% | 0.67% |
| Q1 2026 | $2.97B | $2.60B | $2.25B | $330.5M | $9.3M | 1.25% | 4.10% | 0.58% |
| Q4 2025 | $3.01B | $2.65B | $2.15B | $326.0M | $27.8M | 0.92% | 3.74% | 0.66% |
| Q3 2025 | $2.94B | $2.58B | $2.09B | $317.2M | $21.1M | 0.93% | 3.63% | 0.89% |
| Q2 2025 | $2.92B | $2.58B | $2.18B | $306.5M | $12.6M | 0.83% | 3.50% | 0.76% |
| Q1 2025 | $3.09B | $2.75B | $2.23B | $301.2M | $5.8M | 0.74% | 3.29% | 0.97% |
| Q4 2024 | $3.16B | $2.83B | $2.29B | $295.0M | $21.6M | 0.69% | 3.06% | 0.64% |
| Q3 2024 | $3.16B | $2.74B | $2.26B | $293.8M | $15.5M | 0.66% | 3.00% | 0.47% |
Loan mix (Q2 2026): real estate $1.63B · commercial $250.7M · consumer $10.0M · securities $330.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Minnwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.26% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 59.0% | 50th |
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 | Minnwest 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 | Minnwest 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 | Minnwest 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 | Minnwest 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.