| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +4.4% | +6.2 pts |
| Deposit growth (YoY) | +9.6% | +4.0% | +5.6 pts |
| Loan growth (YoY) | -6.7% | +5.6% | -12.2 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 16.2% | 11.9% | +4.3 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201.1M | $182.8M | $83.7M | $14.7M | $1.1M | 1.15% | 2.66% | 0.46% |
| Q1 2026 | $197.7M | $180.8M | $84.1M | $13.4M | $467K | 0.96% | 2.61% | 0.01% |
| Q4 2025 | $191.2M | $174.0M | $86.9M | $13.6M | $1.3M | 0.69% | 2.61% | 0.01% |
| Q3 2025 | $188.6M | $171.7M | $91.0M | $13.0M | $1.1M | 0.81% | 2.61% | 0.00% |
| Q2 2025 | $181.8M | $166.9M | $89.6M | $11.2M | $716K | 0.79% | 2.56% | 0.00% |
| Q1 2025 | $184.3M | $170.7M | $85.0M | $9.9M | $315K | 0.70% | 2.46% | 0.00% |
| Q4 2024 | $175.5M | $162.1M | $82.1M | $9.4M | $750K | 0.44% | 2.28% | 0.00% |
| Q3 2024 | $173.5M | $157.0M | $84.6M | $11.1M | $910K | 0.71% | 2.31% | 0.22% |
Loan mix (Q2 2026): real estate $50.6M · commercial $17.1M · consumer $2.1M · securities $77.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 62.9% | 29th |
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.
3 branches in 1 county across 1 state (+0 vs 2025) · $182.8M branch deposits. Biggest market: Ward, ND, ranked 8th with 4.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ward, ND | 3 | $182.8M | 4.42% | 8th |
North Dakota: 45th with 0.38% · Minot metro: 9th, 4.08% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (9 bps of assets, 2024). 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).