| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +30.4% | +3.0% | +27.5 pts |
| Deposit growth (YoY) | +26.1% | +2.5% | +23.6 pts |
| Loan growth (YoY) | +138.1% | +2.6% | +135.5 pts |
| ROA | 1.78% | 0.99% | +0.8 pts |
| ROE | 12.3% | 8.1% | +4.2 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.6M | $44.6M | $15.4M | $7.8M | $473K | 1.78% | 3.56% | 0.56% |
| Q1 2026 | $53.3M | $44.3M | $12.2M | $7.7M | $239K | 1.84% | 3.58% | 0.00% |
| Q4 2025 | $50.8M | $42.9M | $8.7M | $7.6M | $500K | 1.47% | 3.52% | 0.00% |
| Q3 2025 | $48.1M | $40.5M | $7.7M | $7.4M | $255K | 1.14% | 3.26% | 0.00% |
| Q2 2025 | $42.6M | $35.3M | $6.5M | $7.0M | $36K | 0.30% | 2.48% | 0.01% |
| Q1 2025 | $14.1M | $13.6M | $7.5M | $305K | $-110K | -3.05% | 2.50% | 0.11% |
| Q4 2024 | $14.8M | $14.2M | $7.6M | $412K | $-383K | -2.66% | 2.66% | 0.22% |
| Q3 2024 | $14.6M | $13.8M | $7.8M | $526K | $-272K | -2.53% | 2.78% | 0.34% |
Loan mix (Q2 2026): real estate $14.0M · commercial $958K · consumer $649K · securities $17.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 0.99% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 8.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.2% | 70.8% | 5th |
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) · $44.6M branch deposits. Biggest market: Cheyenne, NE, ranked 4th with 9.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cheyenne, NE | 1 | $44.6M | 9.23% | 4th |
Nebraska: 167th with 0.04% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1