| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +3.0% | +2.0 pts |
| Deposit growth (YoY) | +5.4% | +2.5% | +2.9 pts |
| Loan growth (YoY) | +6.7% | +2.6% | +4.1 pts |
| ROA | 1.70% | 0.99% | +0.7 pts |
| ROE | 10.9% | 8.1% | +2.8 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $48.8M | $40.9M | $20.4M | $7.6M | $408K | 1.70% | 3.20% | 0.00% |
| Q1 2026 | $47.6M | $39.9M | $19.4M | $7.5M | $232K | 1.96% | 3.25% | 0.00% |
| Q4 2025 | $47.3M | $39.4M | $20.7M | $7.4M | $729K | 1.57% | 3.04% | 0.00% |
| Q3 2025 | $46.4M | $38.5M | $20.5M | $7.6M | $509K | 1.47% | 3.02% | 0.05% |
| Q2 2025 | $46.5M | $38.8M | $19.1M | $7.4M | $336K | 1.46% | 3.07% | 0.05% |
| Q1 2025 | $46.1M | $38.8M | $17.9M | $7.2M | $193K | 1.69% | 3.12% | 0.05% |
| Q4 2024 | $45.4M | $38.2M | $17.7M | $7.0M | $803K | 1.84% | 3.27% | 0.07% |
| Q3 2024 | $44.2M | $36.7M | $18.8M | $7.3M | $558K | 1.72% | 3.25% | 0.05% |
Loan mix (Q2 2026): real estate $13.9M · commercial $1.2M · consumer $2.3M · securities $17.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.99% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 8.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 70.8% | 8th |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $40.9M branch deposits. Biggest market: Red Lake, MN, ranked 3rd with 20.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Red Lake, MN | 1 | $40.9M | 20.47% | 3rd |
Minnesota: 315th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (22 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).