| Metric | Sherburne State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.1% | +4.4% | +9.7 pts |
| Deposit growth (YoY) | +14.7% | +4.0% | +10.7 pts |
| Loan growth (YoY) | +16.0% | +5.6% | +10.4 pts |
| ROA | 2.01% | 1.24% | +0.8 pts |
| ROE | 23.6% | 11.9% | +11.7 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $351.1M | $289.5M | $275.6M | $30.6M | $3.5M | 2.01% | 4.74% | 0.02% |
| Q1 2026 | $343.4M | $284.8M | $264.5M | $28.7M | $1.7M | 1.97% | 4.66% | 0.02% |
| Q4 2025 | $337.4M | $278.9M | $261.2M | $28.8M | $5.6M | 1.81% | 4.63% | 0.23% |
| Q3 2025 | $322.8M | $270.8M | $245.2M | $27.2M | $4.3M | 1.87% | 4.65% | 0.00% |
| Q2 2025 | $307.8M | $252.5M | $237.6M | $25.4M | $2.7M | 1.83% | 4.59% | 0.00% |
| Q1 2025 | $303.1M | $251.1M | $228.6M | $23.5M | $1.3M | 1.74% | 4.50% | 0.00% |
| Q4 2024 | $282.2M | $229.1M | $215.0M | $22.8M | $4.8M | 1.75% | 4.39% | 0.02% |
| Q3 2024 | $293.2M | $236.8M | $209.9M | $22.1M | $3.4M | 1.64% | 4.36% | 0.02% |
Loan mix (Q2 2026): real estate $223.4M · commercial $43.8M · consumer $12.4M · securities $37.8M
| Ratio | Sherburne State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 23.6% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.9% | 62.9% | 7th |
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 | Sherburne State Bank | 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 | Sherburne State Bank | 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 | Sherburne State Bank | 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 | Sherburne State Bank | 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 | Sherburne State Bank | 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.
3 branches in 3 counties across 1 state (+0 vs 2024) · $252.5M branch deposits. Biggest market: Sherburne, MN, ranked 3rd with 9.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sherburne, MN | 1 | $168.6M | 9.25% | 3rd |
| Mille Lacs, MN | 1 | $45.5M | 3.74% | 8th |
| Wright, MN | 1 | $38.5M | 1.20% | 24th |
Minnesota: 132nd with 0.08% · Minneapolis-St. Paul-Bloomington metro: 71st, 0.10% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3