| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +3.0% | +4.6 pts |
| Deposit growth (YoY) | +8.1% | +2.5% | +5.6 pts |
| Loan growth (YoY) | +7.3% | +2.6% | +4.7 pts |
| ROA | 0.86% | 0.99% | -0.1 pts |
| ROE | 7.1% | 8.1% | -1.0 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $72.2M | $63.2M | $53.9M | $8.8M | $308K | 0.86% | 4.49% | 0.27% |
| Q1 2026 | $71.2M | $62.4M | $51.7M | $8.5M | $75K | 0.42% | 4.41% | 0.21% |
| Q4 2025 | $72.2M | $63.0M | $48.8M | $8.9M | $675K | 0.98% | 4.52% | 0.01% |
| Q3 2025 | $67.5M | $58.6M | $49.7M | $8.7M | $493K | 0.97% | 4.51% | 0.00% |
| Q2 2025 | $67.1M | $58.4M | $50.3M | $8.4M | $301K | 0.88% | 4.47% | 0.00% |
| Q1 2025 | $67.6M | $59.2M | $50.3M | $8.2M | $157K | 0.91% | 4.43% | 1.38% |
| Q4 2024 | $70.1M | $61.9M | $51.3M | $8.0M | $330K | 0.47% | 4.38% | 1.02% |
| Q3 2024 | $68.1M | $58.5M | $49.7M | $8.4M | $479K | 0.91% | 4.27% | 2.32% |
Loan mix (Q2 2026): real estate $33.3M · commercial $4.9M · consumer $820K · securities $10.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.99% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 8.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 70.8% | 59th |
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.
Spends 1.5× the peer median on technology. 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).
1 branches in 1 county across 1 state (+0 vs 2025) · $63.2M branch deposits. Biggest market: Goodhue, MN, ranked 8th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Goodhue, MN | 1 | $63.2M | 3.87% | 8th |
Minnesota: 288th with 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1