| Metric | Pine River State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.8 pts |
| Loan growth (YoY) | +5.1% | +5.6% | -0.5 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 11.3% | 11.9% | -0.6 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.3M | $169.8M | $105.5M | $15.1M | $852K | 0.92% | 3.71% | 0.58% |
| Q1 2026 | $183.7M | $168.5M | $102.2M | $14.9M | $409K | 0.88% | 3.62% | 0.42% |
| Q4 2025 | $188.3M | $172.5M | $98.9M | $15.4M | $1.7M | 0.94% | 3.53% | 0.18% |
| Q3 2025 | $182.6M | $167.5M | $99.7M | $14.6M | $1.2M | 0.87% | 3.47% | 0.21% |
| Q2 2025 | $179.0M | $164.6M | $100.4M | $14.0M | $726K | 0.82% | 3.36% | 0.25% |
| Q1 2025 | $173.6M | $159.8M | $102.3M | $13.4M | $311K | 0.70% | 3.23% | 0.27% |
| Q4 2024 | $179.7M | $166.4M | $101.1M | $12.7M | $1.0M | 0.59% | 3.09% | 0.01% |
| Q3 2024 | $182.8M | $166.2M | $101.1M | $12.4M | $695K | 0.53% | 3.02% | 0.00% |
Loan mix (Q2 2026): real estate $94.6M · commercial $5.9M · consumer $1.9M · securities $55.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pine River State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 62.9% | 78th |
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 | Pine River 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 | Pine River 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 | Pine River 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 | Pine River State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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