| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +4.4% | +6.1 pts |
| Deposit growth (YoY) | +10.2% | +4.0% | +6.3 pts |
| Loan growth (YoY) | +10.1% | +5.6% | +4.6 pts |
| ROA | 2.21% | 1.24% | +1.0 pts |
| ROE | 19.9% | 11.9% | +8.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $112.7M | $96.7M | $94.0M | $12.8M | $1.3M | 2.21% | 4.24% | 0.00% |
| Q1 2026 | $113.1M | $97.9M | $96.9M | $12.3M | $674K | 2.38% | 4.17% | 0.08% |
| Q4 2025 | $113.6M | $98.3M | $93.1M | $12.6M | $2.2M | 2.10% | 4.16% | 0.08% |
| Q3 2025 | $104.4M | $89.5M | $89.4M | $12.1M | $1.6M | 2.07% | 4.15% | 0.00% |
| Q2 2025 | $102.0M | $87.7M | $85.4M | $11.5M | $919K | 1.84% | 4.08% | 0.15% |
| Q1 2025 | $100.8M | $87.8M | $81.0M | $11.0M | $370K | 1.50% | 3.89% | 1.07% |
| Q4 2024 | $96.3M | $83.3M | $80.3M | $11.2M | $1.9M | 2.08% | 4.11% | 0.00% |
| Q3 2024 | $93.4M | $80.5M | $77.7M | $11.0M | $1.4M | 2.14% | 4.13% | 0.00% |
Loan mix (Q2 2026): real estate $67.9M · commercial $8.0M · consumer $808K · securities $7.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 1.24% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.5% | 62.9% | 9th |
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) · $96.7M branch deposits. Biggest market: Goodhue, MN, ranked 7th with 5.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Goodhue, MN | 1 | $96.7M | 5.92% | 7th |
Minnesota: 247th with 0.03% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (27 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).