| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.2 pts |
| Deposit growth (YoY) | +6.1% | +4.0% | +2.2 pts |
| Loan growth (YoY) | -4.0% | +5.6% | -9.6 pts |
| ROA | 0.40% | 1.24% | -0.8 pts |
| ROE | 5.7% | 11.9% | -6.1 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.7M | $104.8M | $57.9M | $9.6M | $229K | 0.40% | 0.43% | 0.47% |
| Q1 2026 | $114.6M | $107.0M | $58.0M | $7.1M | $263K | 0.94% | 3.50% | 0.59% |
| Q4 2025 | $110.2M | $102.6M | $59.6M | $7.3M | $1.1M | 1.06% | 3.52% | 0.69% |
| Q3 2025 | $106.7M | $99.3M | $62.1M | $7.0M | $893K | 1.13% | 3.50% | 0.72% |
| Q2 2025 | $105.7M | $98.7M | $60.3M | $6.6M | $579K | 1.11% | 3.45% | 0.48% |
| Q1 2025 | $106.2M | $99.6M | $58.8M | $6.2M | $247K | 0.95% | 3.38% | 0.02% |
| Q4 2024 | $101.2M | $95.1M | $58.1M | $5.8M | $935K | 0.94% | 3.03% | 0.02% |
| Q3 2024 | $98.4M | $92.7M | $57.4M | $5.4M | $344K | 0.46% | 2.94% | 0.04% |
Loan mix (Q2 2026): real estate $46.0M · commercial $3.9M · consumer $3.7M · securities $24.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 4.2% | 62.9% | 0th |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.
Rushford State Bank (Incorporated) is in an open deal as the target: GEBSCO, Inc. to acquire Rushford State Bank (Incorporated) (approved, filed Apr 18, 2026). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| May 28, 2026 | Target | GEBSCO, Inc. | Acquisition | Approved | Federal Reserve |
Technology spend in line with peers (12 bps of assets, 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).
2 branches in 2 counties across 1 state (+0 vs 2025) · $104.8M branch deposits. Biggest market: Fillmore, MN, ranked 3rd with 13.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fillmore, MN | 1 | $104.8M | 12.99% | 3rd |
| Houston, MN | 1 | $0 | 0.00% | 6th |
Minnesota: 239th with 0.03% · Rochester metro: 25th, 1.08% · La Crosse-Onalaska metro: 35th, 0.00% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2