| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +5.5% | -3.0 pts |
| Deposit growth (YoY) | -1.7% | +5.1% | -6.8 pts |
| Loan growth (YoY) | +1.5% | +5.9% | -4.4 pts |
| ROA | 1.46% | 1.26% | +0.2 pts |
| ROE | 14.9% | 12.2% | +2.8 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.86B | $1.50B | $1.36B | $181.3M | $13.2M | 1.46% | 4.36% | 0.77% |
| Q1 2026 | $1.84B | $1.54B | $1.32B | $176.4M | $6.8M | 1.53% | 4.31% | 0.76% |
| Q4 2025 | $1.73B | $1.42B | $1.30B | $172.0M | $22.6M | 1.28% | 4.24% | 0.14% |
| Q3 2025 | $1.80B | $1.48B | $1.33B | $166.5M | $17.0M | 1.27% | 4.12% | 0.09% |
| Q2 2025 | $1.81B | $1.52B | $1.34B | $159.9M | $11.1M | 1.25% | 4.04% | 0.11% |
| Q1 2025 | $1.74B | $1.45B | $1.27B | $154.8M | $5.5M | 1.26% | 3.93% | 0.11% |
| Q4 2024 | $1.76B | $1.49B | $1.25B | $147.9M | $18.1M | 1.07% | 4.18% | 0.11% |
| Q3 2024 | $1.75B | $1.45B | $1.20B | $148.3M | $13.2M | 1.05% | 4.09% | 0.23% |
Loan mix (Q2 2026): real estate $801.5M · commercial $523.8M · consumer $29.7M · securities $240.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.26% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 12.2% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 59.0% | 64th |
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.
14 branches in 4 counties across 3 states (+0 vs 2024) · $1.52B branch deposits. Biggest market: Douglas, NE, ranked 5th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, NE | 10 | $1.27B | 3.68% | 5th |
| Dallas, TX | 2 | $140.6M | 0.05% | 75th |
| Pottawattamie, IA | 1 | $85.5M | 3.42% | 9th |
| 1 more county with Pro → | ||||
Nebraska: 12th with 1.31% · Texas: 453rd with 0.01% · Iowa: 219th with 0.08% · Omaha metro: 7th, 2.97% · Dallas-Fort Worth-Arlington metro: 138th, 0.02% ·
Branch count: 2022 14 · 2023 14 · 2024 14 · 2025 14