| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +3.0% | +8.8 pts |
| Deposit growth (YoY) | +11.9% | +2.5% | +9.4 pts |
| Loan growth (YoY) | -0.4% | +2.6% | -3.0 pts |
| ROA | 2.07% | 0.99% | +1.1 pts |
| ROE | 22.3% | 8.1% | +14.2 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $50.8M | $45.8M | $37.1M | $4.9M | $529K | 2.07% | 4.91% | 1.89% |
| Q1 2026 | $49.9M | $45.0M | $36.7M | $4.8M | $265K | 2.07% | 5.02% | 2.42% |
| Q4 2025 | $52.6M | $47.9M | $35.2M | $4.6M | $898K | 1.86% | 4.76% | 1.67% |
| Q3 2025 | $51.3M | $46.5M | $36.8M | $4.7M | $698K | 1.97% | 4.79% | 1.19% |
| Q2 2025 | $45.4M | $40.9M | $37.3M | $4.4M | $479K | 2.09% | 4.86% | 0.81% |
| Q1 2025 | $44.3M | $39.8M | $35.2M | $4.3M | $234K | 2.03% | 4.67% | 0.86% |
| Q4 2024 | $47.9M | $43.8M | $34.0M | $4.0M | $655K | 1.46% | 4.61% | 0.81% |
| Q3 2024 | $44.0M | $39.8M | $34.1M | $4.2M | $419K | 1.27% | 4.52% | 0.89% |
Loan mix (Q2 2026): real estate $25.4M · commercial $4.1M · consumer $1.6M · securities $5.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 0.99% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 22.3% | 8.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 70.8% | 14th |
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) · $40.9M branch deposits. Biggest market: Powell, MT, ranked 3rd with 24.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Powell, MT | 1 | $40.9M | 24.68% | 3rd |
Montana: 65th with 0.09% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1