| Metric | Prairie Sun Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +4.4% | -10.5 pts |
| Deposit growth (YoY) | +0.9% | +4.0% | -3.1 pts |
| Loan growth (YoY) | +0.9% | +5.6% | -4.6 pts |
| ROA | 1.36% | 1.24% | +0.1 pts |
| ROE | 14.0% | 11.9% | +2.1 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.0M | $92.5M | $79.7M | $10.6M | $739K | 1.36% | 4.19% | 1.38% |
| Q1 2026 | $105.7M | $94.4M | $76.8M | $10.5M | $368K | 1.34% | 4.11% | 7.20% |
| Q4 2025 | $113.3M | $102.3M | $78.5M | $10.6M | $1.6M | 1.39% | 3.87% | 1.52% |
| Q3 2025 | $113.6M | $92.9M | $80.6M | $10.2M | $1.2M | 1.38% | 3.82% | 0.57% |
| Q2 2025 | $113.9M | $91.7M | $79.0M | $9.9M | $797K | 1.40% | 3.79% | 1.63% |
| Q1 2025 | $112.6M | $91.8M | $77.2M | $9.6M | $414K | 1.45% | 3.92% | 1.44% |
| Q4 2024 | $115.2M | $95.5M | $78.5M | $9.3M | $1.4M | 1.16% | 3.27% | 2.72% |
| Q3 2024 | $114.9M | $88.6M | $75.6M | $9.3M | $954K | 1.10% | 3.13% | 1.90% |
Loan mix (Q2 2026): real estate $44.0M · commercial $9.3M · consumer $3.4M · securities $14.1M
| Ratio | Prairie Sun Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 62.9% | 43th |
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 | Prairie Sun 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 | Prairie Sun 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 | Prairie Sun 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 | Prairie Sun 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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