| Metric | Range Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.9% | +0.1 pts |
| Deposit growth (YoY) | +1.6% | +4.3% | -2.7 pts |
| Loan growth (YoY) | +4.8% | +5.3% | -0.6 pts |
| ROA | 1.47% | 1.28% | +0.2 pts |
| ROE | 14.1% | 12.4% | +1.7 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $604.1M | $521.5M | $372.5M | $65.6M | $4.5M | 1.47% | 4.01% | 0.02% |
| Q1 2026 | $619.8M | $538.8M | $377.9M | $63.8M | $2.0M | 1.33% | 3.89% | 0.02% |
| Q4 2025 | $613.7M | $533.8M | $372.4M | $62.6M | $7.1M | 1.19% | 3.63% | 0.02% |
| Q3 2025 | $635.2M | $557.4M | $364.6M | $60.3M | $4.7M | 1.05% | 3.52% | 0.03% |
| Q2 2025 | $575.2M | $513.0M | $355.6M | $57.9M | $2.8M | 0.97% | 3.40% | 0.06% |
| Q1 2025 | $583.1M | $530.6M | $345.9M | $49.2M | $1.4M | 0.94% | 3.22% | 0.06% |
| Q4 2024 | $595.3M | $513.2M | $338.9M | $47.2M | $4.2M | 0.72% | 2.86% | 0.05% |
| Q3 2024 | $615.1M | $534.8M | $340.0M | $46.5M | $3.1M | 0.71% | 2.77% | 0.04% |
Loan mix (Q2 2026): real estate $331.2M · commercial $39.7M · consumer $4.7M · securities $173.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Range Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.28% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 12.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 61.2% | 44th |
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 | Range 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 | Range 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 | Range 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 | Range 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 | Range 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.
9 branches in 4 counties across 2 states (+0 vs 2024) · $513.0M branch deposits. Biggest market: Marquette, MI, ranked 1st with 18.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marquette, MI | 4 | $352.5M | 18.58% | 1st |
| Houghton, MI | 3 | $118.3M | 11.21% | 3rd |
| Dickinson, MI | 1 | $36.0M | 4.03% | 8th |
| 1 more county with Pro → | ||||
Michigan: 81st with 0.14% · Wisconsin: 296th with 0.00% · Green Bay metro: 32nd, 0.03% ·
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9