| Metric | Produce State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +4.4% | -4.0 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +12.1% | +5.6% | +6.5 pts |
| ROA | 1.31% | 1.24% | +0.1 pts |
| ROE | 12.1% | 11.9% | +0.3 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.2M | $94.6M | $59.2M | $11.9M | $726K | 1.31% | 4.54% | 0.70% |
| Q1 2026 | $110.6M | $98.2M | $60.8M | $11.9M | $366K | 1.31% | 4.50% | 0.85% |
| Q4 2025 | $113.6M | $101.1M | $57.2M | $12.1M | $1.5M | 1.35% | 4.43% | 0.80% |
| Q3 2025 | $108.0M | $95.6M | $53.9M | $12.0M | $1.1M | 1.36% | 4.43% | 0.71% |
| Q2 2025 | $106.8M | $94.4M | $52.9M | $12.0M | $803K | 1.45% | 4.38% | 0.71% |
| Q1 2025 | $111.1M | $98.7M | $52.2M | $12.0M | $436K | 1.55% | 4.36% | 0.64% |
| Q4 2024 | $113.4M | $101.1M | $55.3M | $11.9M | $2.0M | 1.74% | 4.51% | 0.60% |
| Q3 2024 | $109.7M | $96.9M | $52.4M | $12.4M | $1.5M | 1.81% | 4.53% | 0.55% |
Loan mix (Q2 2026): real estate $40.1M · commercial $8.0M · consumer $3.9M · securities $39.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Produce State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 11.9% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 62.9% | 52nd |
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 | Produce 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 | Produce State Bank | 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 | Produce 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 | Produce 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 | Produce State Bank | 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.
4 branches in 1 county across 1 state (+0 vs 2025) · $94.6M branch deposits. Biggest market: Freeborn, MN, ranked 5th with 9.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Freeborn, MN | 4 | $94.6M | 9.14% | 5th |
Minnesota: 250th with 0.03% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend up 87% 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).