| Metric | PrinsBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +39.3% | +4.4% | +34.9 pts |
| Deposit growth (YoY) | +43.7% | +4.0% | +39.8 pts |
| Loan growth (YoY) | +50.2% | +5.6% | +44.6 pts |
| ROA | 2.99% | 1.24% | +1.8 pts |
| ROE | 25.2% | 11.9% | +13.3 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $308.3M | $262.9M | $178.8M | $37.7M | $4.5M | 2.99% | 4.42% | 0.18% |
| Q1 2026 | $296.2M | $255.9M | $173.0M | $34.4M | $1.2M | 1.62% | 4.59% | 0.84% |
| Q4 2025 | $210.1M | $181.3M | $136.9M | $24.7M | $4.1M | 1.95% | 4.68% | 0.48% |
| Q3 2025 | $198.5M | $167.2M | $131.6M | $23.8M | $3.3M | 2.06% | 4.71% | 0.60% |
| Q2 2025 | $221.3M | $182.9M | $119.0M | $32.9M | $2.1M | 1.93% | 4.32% | 1.28% |
| Q1 2025 | $218.4M | $181.7M | $117.7M | $31.9M | $1.1M | 2.09% | 4.67% | 1.74% |
| Q4 2024 | $204.4M | $168.9M | $125.3M | $32.3M | $4.0M | 2.07% | 4.48% | 1.30% |
| Q3 2024 | $194.2M | $156.9M | $133.4M | $31.5M | $3.0M | 2.09% | 4.70% | 1.86% |
Loan mix (Q2 2026): real estate $156.4M · commercial $15.9M · consumer $1.6M · securities $36.9M
| Ratio | PrinsBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.99% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 25.2% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 62.9% | 30th |
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 | PrinsBank | 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 | PrinsBank | 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 | PrinsBank | 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 | PrinsBank | 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 | PrinsBank | 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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Feb 20, 2026 | Acquirer | — | Reorganization | Completed | FDIC |
4 branches in 3 counties across 1 state (+2 vs 2025) · $262.9M branch deposits. Biggest market: Kandiyohi, MN, ranked 5th with 6.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kandiyohi, MN | 1 | $119.3M | 6.42% | 5th |
| McLeod, MN | 2 | $83.4M | 5.77% | 6th |
| Hennepin, MN | 1 | $60.1M | 0.04% | 65th |
Minnesota: 144th with 0.07% · Minneapolis-St. Paul-Bloomington metro: 140th, 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 4
Technology spend up 234% in 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).