| Metric | Odin State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +3.0% | +2.3 pts |
| Deposit growth (YoY) | +4.6% | +2.5% | +2.1 pts |
| Loan growth (YoY) | -3.4% | +2.6% | -6.0 pts |
| ROA | -0.11% | 0.99% | -1.1 pts |
| ROE | -1.4% | 8.1% | -9.5 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $82.4M | $74.4M | $59.4M | $6.7M | $-45K | -0.11% | 3.78% | 1.58% |
| Q1 2026 | $78.9M | $71.8M | $61.6M | $5.9M | $-488K | -2.43% | 3.91% | 1.20% |
| Q4 2025 | $81.8M | $73.7M | $63.3M | $6.9M | $785K | 0.99% | 3.59% | 1.36% |
| Q3 2025 | $80.5M | $72.8M | $60.6M | $6.4M | $533K | 0.90% | 3.50% | 1.43% |
| Q2 2025 | $78.3M | $71.2M | $61.4M | $5.9M | $410K | 1.04% | 3.41% | 1.20% |
| Q1 2025 | $80.2M | $73.3M | $63.2M | $5.7M | $177K | 0.90% | 3.25% | 1.01% |
| Q4 2024 | $77.0M | $68.8M | $63.0M | $5.5M | $735K | 0.99% | 3.20% | 1.28% |
| Q3 2024 | $76.4M | $68.1M | $60.2M | $5.5M | $519K | 0.94% | 3.15% | 1.49% |
Loan mix (Q2 2026): real estate $42.9M · commercial $2.4M · consumer $5.2M · securities $19.2M
| Ratio | Odin State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.11% | 0.99% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 8.1% | 11th | |
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 | 52.6% | 70.8% | 13th |
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 | Odin 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 | Odin 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 | Odin 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 | Odin 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 | Odin 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.
Odin State Bank is in an open deal as the target: J. Fischer and Harder Trusts Shareholder Control Group to take control of Odin State Bank (approved). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 21, 2026 | Target | J. Fischer and Harder Trusts Shareholder Control Group | Change in control | Approved | Federal Reserve |
| Aug 1, 2026 | Target | The Judy Harder Irrevocable QSST Trust and the Judy Harder Irrevocable QTIP Trus… | Change in control | Pending | Federal Reserve |
1 branches in 1 county across 1 state (+0 vs 2025) · $74.4M branch deposits. Biggest market: Watonwan, MN, ranked 2nd with 13.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Watonwan, MN | 1 | $74.4M | 13.35% | 2nd |
Minnesota: 279th with 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (24 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).