| Metric | Rolette State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +3.0% | +6.0 pts |
| Deposit growth (YoY) | +9.3% | +2.5% | +6.8 pts |
| Loan growth (YoY) | +4.6% | +2.6% | +2.0 pts |
| ROA | 1.54% | 0.99% | +0.5 pts |
| ROE | 15.4% | 8.1% | +7.3 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.5M | $46.0M | $37.0M | $5.2M | $393K | 1.54% | 4.68% | 0.03% |
| Q1 2026 | $52.5M | $47.0M | $32.4M | $5.1M | $180K | 1.42% | 4.33% | 0.02% |
| Q4 2025 | $49.2M | $44.0M | $34.5M | $5.0M | $777K | 1.63% | 5.15% | 0.02% |
| Q3 2025 | $48.0M | $42.5M | $35.4M | $5.1M | $813K | 2.30% | 5.13% | 1.20% |
| Q2 2025 | $47.3M | $42.1M | $35.4M | $4.9M | $534K | 2.28% | 5.00% | 0.03% |
| Q1 2025 | $46.9M | $41.8M | $33.5M | $4.6M | $186K | 1.59% | 4.87% | 0.03% |
| Q4 2024 | $46.5M | $40.7M | $34.6M | $4.4M | $444K | 0.94% | 4.43% | 0.03% |
| Q3 2024 | $47.2M | $37.3M | $35.6M | $4.5M | $365K | 1.03% | 4.31% | 1.47% |
Loan mix (Q2 2026): real estate $8.2M · commercial $5.6M · consumer $752K · securities $5.0M
| Ratio | Rolette State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.99% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 8.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 70.8% | 42nd |
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 | Rolette 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 | Rolette 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 | Rolette 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 | Rolette 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 | Rolette 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.
1 branches in 1 county across 1 state (+0 vs 2024) · $42.1M branch deposits. Biggest market: Rolette, ND, ranked 4th with 9.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rolette, ND | 1 | $42.1M | 9.83% | 4th |
North Dakota: 83rd with 0.09% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1