| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +5.1% | +4.0% | +1.1 pts |
| Loan growth (YoY) | -2.7% | +5.6% | -8.3 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 14.4% | 11.9% | +2.5 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $117.2M | $98.4M | $98.8M | $9.9M | $712K | 1.21% | 4.05% | 0.05% |
| Q1 2026 | $116.9M | $98.4M | $92.7M | $9.7M | $343K | 1.16% | 3.94% | 0.00% |
| Q4 2025 | $119.5M | $100.4M | $97.3M | $10.2M | $1.7M | 1.44% | 4.32% | 0.00% |
| Q3 2025 | $120.1M | $96.4M | $105.0M | $9.8M | $1.3M | 1.50% | 4.33% | 0.04% |
| Q2 2025 | $113.0M | $93.7M | $101.6M | $9.4M | $830K | 1.48% | 4.29% | 0.04% |
| Q1 2025 | $110.7M | $98.9M | $93.2M | $9.1M | $423K | 1.52% | 4.23% | 0.15% |
| Q4 2024 | $111.7M | $99.3M | $90.3M | $9.5M | $1.6M | 1.52% | 4.46% | 0.00% |
| Q3 2024 | $112.6M | $93.5M | $98.1M | $9.1M | $1.2M | 1.57% | 4.49% | 0.08% |
Loan mix (Q2 2026): real estate $54.0M · commercial $5.7M · consumer $2.7M · securities $1.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Bottineau | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.9% | 62.9% | 62th |
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 | State Bank of Bottineau | 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 | State Bank of Bottineau | 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 | State Bank of Bottineau | 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 | State Bank of Bottineau | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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