| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.4% | +2.0 pts |
| Deposit growth (YoY) | +6.3% | +4.0% | +2.4 pts |
| Loan growth (YoY) | +4.7% | +5.6% | -0.8 pts |
| ROA | 1.77% | 1.24% | +0.5 pts |
| ROE | 12.5% | 11.9% | +0.6 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $286.5M | $243.5M | $179.5M | $41.2M | $2.5M | 1.77% | 2.97% | 0.00% |
| Q1 2026 | $283.7M | $241.8M | $175.9M | $40.3M | $1.3M | 1.79% | 2.96% | 0.00% |
| Q4 2025 | $289.6M | $247.2M | $173.8M | $40.5M | $4.9M | 1.77% | 2.94% | 0.00% |
| Q3 2025 | $277.6M | $236.5M | $169.9M | $39.5M | $3.5M | 1.72% | 2.89% | 0.06% |
| Q2 2025 | $269.3M | $229.0M | $171.4M | $38.4M | $2.3M | 1.68% | 2.78% | 0.00% |
| Q1 2025 | $272.7M | $233.6M | $164.7M | $37.5M | $1.1M | 1.61% | 2.70% | 0.00% |
| Q4 2024 | $278.3M | $238.9M | $163.8M | $37.4M | $4.3M | 1.63% | 2.74% | 0.00% |
| Q3 2024 | $270.9M | $232.0M | $164.0M | $37.2M | $3.2M | 1.62% | 2.72% | 0.00% |
Loan mix (Q2 2026): real estate $160.0M · commercial $11.3M · consumer $5.1M · securities $38.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.3% | 62.9% | 5th |
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.
3 branches in 2 counties across 1 state (+0 vs 2025) · $243.5M branch deposits. Biggest market: Wood, WI, ranked 7th with 6.0% of deposits.
Wisconsin: 147th with 0.09% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (18 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).