| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.0% | +4.4% | +15.7 pts |
| Deposit growth (YoY) | +22.1% | +4.0% | +18.1 pts |
| Loan growth (YoY) | +17.8% | +5.6% | +12.2 pts |
| ROA | 1.58% | 1.24% | +0.3 pts |
| ROE | 18.0% | 11.9% | +6.1 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $210.0M | $184.4M | $150.7M | $18.5M | $1.6M | 1.58% | 3.82% | 0.07% |
| Q1 2026 | $206.1M | $187.5M | $133.5M | $17.4M | $699K | 1.42% | 3.73% | 0.14% |
| Q4 2025 | $189.1M | $166.0M | $137.6M | $17.3M | $2.5M | 1.40% | 3.84% | 0.15% |
| Q3 2025 | $187.1M | $164.9M | $137.9M | $16.4M | $1.8M | 1.37% | 3.82% | 0.45% |
| Q2 2025 | $174.9M | $151.0M | $128.0M | $14.7M | $1.1M | 1.28% | 3.77% | 0.33% |
| Q1 2025 | $166.8M | $148.2M | $111.8M | $14.7M | $364K | 0.89% | 3.58% | 0.43% |
| Q4 2024 | $161.7M | $142.9M | $110.9M | $13.7M | $1.4M | 0.91% | 3.50% | 0.65% |
| Q3 2024 | $160.3M | $140.9M | $112.7M | $14.1M | $1.0M | 0.90% | 3.42% | 0.67% |
Loan mix (Q2 2026): real estate $80.6M · commercial $22.8M · consumer $3.8M · securities $44.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 11.9% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 62.9% | 32nd |
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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $184.4M branch deposits. Biggest market: Ward, ND, ranked 10th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ward, ND | 1 | $127.8M | 3.09% | 10th |
| McHenry, ND | 1 | $56.6M | 25.16% | 3rd |
North Dakota: 43rd with 0.38% · Minot metro: 8th, 4.12% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (22 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).