| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +5.5% | -4.3 pts |
| Deposit growth (YoY) | -0.9% | +5.1% | -6.0 pts |
| Loan growth (YoY) | +8.7% | +5.9% | +2.8 pts |
| ROA | 2.81% | 1.26% | +1.6 pts |
| ROE | 23.3% | 12.2% | +11.1 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.31B | $5.95B | $5.10B | $882.6M | $103.1M | 2.81% | 7.41% | 3.79% |
| Q1 2026 | $7.11B | $5.85B | $4.82B | $883.6M | $73.4M | 4.00% | 7.79% | 1.68% |
| Q4 2025 | $7.56B | $6.35B | $5.01B | $891.8M | $193.6M | 2.65% | 7.97% | 1.47% |
| Q3 2025 | $7.17B | $5.89B | $4.79B | $885.9M | $158.3M | 2.91% | 8.21% | 1.42% |
| Q2 2025 | $7.23B | $6.01B | $4.69B | $847.5M | $119.6M | 3.29% | 8.21% | 1.02% |
| Q1 2025 | $6.99B | $5.82B | $4.41B | $844.4M | $76.0M | 4.17% | 8.64% | 0.60% |
| Q4 2024 | $7.60B | $6.52B | $4.56B | $790.2M | $181.9M | 2.39% | 7.72% | 0.49% |
| Q3 2024 | $7.54B | $5.88B | $4.72B | $866.1M | $143.7M | 2.52% | 7.09% | 0.57% |
Loan mix (Q2 2026): real estate $85.5M · commercial $4.79B · consumer $168.2M · securities $1.25B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.81% | 1.26% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 23.3% | 12.2% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.41% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 59.0% | 46th |
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.
1 branches in 1 county across 1 state (+0 vs 2024) · $6.01B branch deposits. Biggest market: Lincoln, SD, ranked 2nd with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lincoln, SD | 1 | $6.01B | 1.13% | 2nd |
South Dakota: 4th with 0.65% · Sioux Falls metro: 4th, 0.67% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1