| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | -2.6% | +4.0% | -6.6 pts |
| Loan growth (YoY) | +9.6% | +5.6% | +4.0 pts |
| ROA | 0.88% | 1.24% | -0.4 pts |
| ROE | 15.3% | 11.9% | +3.4 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $193.5M | $170.8M | $81.0M | $11.3M | $851K | 0.88% | 3.15% | 0.32% |
| Q1 2026 | $193.2M | $176.0M | $80.4M | $10.9M | $397K | 0.83% | 3.11% | 0.17% |
| Q4 2025 | $191.1M | $168.8M | $78.2M | $11.2M | $1.3M | 0.70% | 2.92% | 0.18% |
| Q3 2025 | $191.9M | $174.8M | $76.9M | $10.8M | $1.0M | 0.72% | 2.90% | 0.11% |
| Q2 2025 | $191.4M | $175.5M | $74.0M | $9.6M | $636K | 0.68% | 2.85% | 0.13% |
| Q1 2025 | $186.5M | $167.1M | $74.7M | $9.4M | $272K | 0.58% | 2.73% | 0.20% |
| Q4 2024 | $186.3M | $161.3M | $75.2M | $8.8M | $1.0M | 0.54% | 2.66% | 0.13% |
| Q3 2024 | $186.4M | $159.6M | $73.8M | $10.4M | $726K | 0.52% | 2.66% | 0.16% |
Loan mix (Q2 2026): real estate $71.9M · commercial $5.9M · consumer $3.8M · securities $94.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 62.9% | 63rd |
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.
5 branches in 3 counties across 1 state (+0 vs 2025) · $170.8M branch deposits. Biggest market: Dickinson, MI, ranked 3rd with 11.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dickinson, MI | 3 | $99.1M | 11.04% | 3rd |
| Iron, MI | 1 | $64.9M | 13.42% | 2nd |
| Menominee, MI | 1 | $6.8M | 1.05% | 9th |
Michigan: 158th with 0.04% ·
Branch count: 2022 7 · 2023 6 · 2024 5 · 2025 5 · 2026 5
Technology spend in line with peers (15 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).